Can I get a mortgage or do I redo my mortgage?

I bought my house four years ago, and is valued at $ 101,000. I bought a mortgage company in 30 years. Now that I can afford a little more to make me want to add my car loan, and pay him 15 years of the loan. The problem is that the mortgage company has been advised that they got to my second mortgage and 3 they want to pay thousands of dollars in fees, what to do. Can I go through your local bank or using a home equity loan and pay the mortgage on my house collaterol company?

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