I never said she couldn't get approved. It all comes down to the numbers. If she has a high enough income, debt-to-income won't be an issue. Obviously I don't know any of the numbers, so a lot of this is open to interpretation. Simply getting approved doesn't mean it's a good financial decision. Believe me, banks will let you make bad decisions all day long as long as their back end is covered.
"Pre approved for 220" really means nothing. The devil, they say, is in the details. Mortgages are actually very easy to get. You simply need to meet the requirements and manage your finances accordingly. Reality is, a large car payment eats up a lot of buying power in your mortgage application. The only way to solve for that is to make enough money.