If you are planning on building a new home, and have been told you don't make quite enough to qualify, you may want to consider getting a co-signer. FHA doesn't want you to spend more than 43% of your monthly income on your new home payment and all other debt service. For a young, growing, family that can be a challenge.
FHA will allow a family member to co-sign the loan with you as a non-occupying borrower. FHA will take everyone's income and everyone debt into consideration when applying the 43% debt-to-income limit.
Keep in mind that all applicants must meet FHA credit qualifications. A co-signers good credit can not overcome a borrower's poor credit. As always, call me to discuss your situation.