Hla2,
Couple of questions, and then I might be able to let you know:
1) Is your commission regular? (ie. can you show a history of regular commission recieved)
2) What sort of occupations do you both have
3) Who is your existing lender?
The reasons for asking, are
1) If commission is highly regular, certain lenders might regard it as regualar income
2) Some lenders actively perfer certain professions, and are more "lenient" towards them
3) Very important - some dont refinance short term debt
I am a broker, by the way!