Roberto is applying for a mortgage. He has a monthly gross income of $3,500. The home he would like to buy has monthly payments for the following: $1,000 mortgage, $150 property taxes, $75 homeowners insurance premium, and $75 mortgage insurance premium. Roberto also has other monthly debts totaling $500 per month. Based on the Federal Housing Administration (FHA) total fixed payments-to-income ratio, would he qualify for the mortgage loan?