commission income

There are special rules for commission income when applying for a mortgage:

These rules apply to anyone who earns at least 25% of their compensation from commissions.
In general, you must earn commission income for at least two years to use it for mortgage qualification. But there are exceptions.
Because commission income is variable, lenders average it according to certain rules.

Mortgage lenders must adhere to the Ability to Repay (ATR) rule when underwriting. That means they must make sure that borrowers can afford the loan before they approve it.