Desiree currently earns $$2,900$ per month. She has the following monthly debt payment expenses: $$130$ for credit cards, $$280$ for student loans, and a $$335$ car payment. She is looking to buy a house. The monthly mortgage, including principal, insurance, and taxes, is $$800.$ Does Desiree meet the FHA housing total fixed payments$-$to$-$income ratio guideline?

Select answer from the options below

No$,$ because her ratio is greater than $31\%.$

No$,$ because her ratio is greater than $43\%.$

Yes, because her ratio is less than $43\%.$

Yes, because her ratio is less than $31\%.$