I have abankruptcy that was discharged a little over 2 years ago. My question is about my income and if it can be used. I took a job as a insurance agent and I get paid commission. I have read online that two years commission income is required but in some instances as little is one year commission income can be used. So is it out of the question to get a loan approved after 1 year of commission income, when you have a previous bankruptcy. I have perfect credit since the bankruptcy. It was caused by a business that I owned that failed. Current credit score is around 650. I also have four other real estate loans from before bankruptcy that have been paid as agreed except for a couple of 30 day lates during the actual bankruptcy over 2 years ago.