fha loan credit score limits

Looking for FHA loan with bankruptcy in 03 and 16 credit cards near limits. Will it get through underwriting?

40% back end ratio, alot of debt but 0 lates since bankruptcy. credit score is 630 (INC Wife also). loan officer says we have alot of debt, but have proven we can handle it by making every one of our monthly payments. Also have made all of our rent payments which are $1400/mo. New mortgage will be around $1200.00. Bottom line, we are extremely nervous about getting this loan through underwriting. Any insight would be greatly appreciated.
Again this is an FHA loan through Bank of America.

I doubt it.

Honestly, would YOU risk money to someone like that?