My credit is 654 and work only as needed. I'm a nurse. What mortgage would refinance me. Have no down payment. Help!

Believe it or not, 6% is a good rate - we've become kind of spoiled over the past few years. I understand that it's becoming more difficult to make mortgage payments- however, are you saying that the mortgage "payment" is increasing? If this is the case, you have either a traditional, hybrid or exotic "adjustable rate mortgage" (in increasingly rare instances, you could have received a fixed mortgage with a "3,2,1-buydown").

As long as the amount you wish to borrow doesn't exceed 95% of the homes value, a 654 should be good enough for an FHA mortgage...