Unless you have a lot of cash on hand, you are going to need time to improve your ratios. Paying down credit cards instead of paying minimum payments, or making additional payments on your car or financed furniture and appliances is what may be needed. If you know that you are getting a salary increase shortly, time your loan application accordingly.
It is also important to know which debts to pay. Most underwriting, especially automated underwriting, will not consider debts that have less than ten months left to payoff. However, the normal tendency for people looking to pay off debts is to pay off those that have only a few months left on them. You would benefit more by making a double payment on a debt with eleven months to go, bringing it down to nine months, than paying a debt off completely with just a few months left.
Finally, sometimes there is another way to exceed the ratios. If you are refinancing your home and have a lot of equity (the difference between what you owe on your mortgage and the value of your property), a lender may give you a conditional approval. The approval may be conditioned on you paying down or paying off some existing debt. You may be able to borrow a little more money on your mortgage loan from your equity and pay down your debts to meet the condition.