This will soon become a problem for many of us. The mortgage companies feel that their financial woes are due to the "stated income" people they loaned money to not being able to pay their bills.
Loan companies will soon stop giving loans to those on "stated income". You will have to show proof of actual income.

This is going to be a major problem for people like me in who live in Las Vegas where there are thousands of people who work on the strip (bartenders, servers, valets) all of whom are stated income based on their tips.

You could always get a loan based on your monthly guarantee, but that of course will be much lower than the amount you'll actually earn. Unfortunately, for a while, it may be your only course of action.