Donise Nickerson says: David and I are talking about buying a house in either Highlands or Crosby. Our income is sufficient however, our credit sucks right now. I have an unused VA Certificate and we need your expert advise on what to do. I have searched some listings and it's unbelievable that a $140,000 home's estimated monthly payment is 636 a month!! Please call me at 281-426-5309 or on my cell 832-457-6024!!! Thanks so much! Donise