Lenders and commission jobs

[Elijah Brzezinski]

I am a FTHB and currently taking steps to secure a lender. After getting on the phone with a lender, he informed me that due to my work history over the last 24 months, I will be unable to secure a lender for a house. I looked into Fannie Mae, and saw that she is a little more lenient on work history for commission based incomes, but I don't really understand how it all works. Don't I still need to get approved from a lender in order to do Fannie Mae?
Alternatively could I go through a HML? Do they follow the same guidelines about financial history? If it provides clarity... I have an excellent credit score, have 20k ready to go on a down payment, and a 32% DTI.
Also, I'm unsure what forum to put this in. Sorry if it's in the wrong place.