You only have to get to the 1 year point on commissions. So you have 6 more months to go. I would plan on getting everything done in advance and once you hit the 1 year mark, be ready to close immediately thereafter. Here are the actual FHA guidelines regarding this. I tried to add the image but it didnt let me, so I copied and pasted the text below:
The Mortgagee may use Commission Income as Effective Income if the Borrower
earned the income for at least one year in the same or similar line of work and it is
reasonably likely to continue.
The Mortgagee must calculate Effective Income for commission by using the lesser
of (a) the average net Commission Income earned over the previous two years, or the
length of time Commission Income has been earned if less than two years; or (b) the
average net Commission Income earned over the previous one year. The Mortgagee
must calculate net Commission Income by subtracting the unreimbursed business
expenses from the gross Commission Income.
The Mortgagee must reduce the Effective Income by the amount of any unreimbursed
employee business expenses, as shown on the Borrower’s Schedule A. For
information on analyzing the Borrower’s 1040, review Analyzing IRS Forms.