Whats the best and quikest way to pay off high rate second loan on first home purchase?

I just purchased purchased my first home for $ 181,900. I put 10% as a down payment$ 18,400 plus $ 500 ernest money. I had only 10K on hand a had to borrow the other 8K from another lender. My question with the 10% down payment does that give me some kind of equity if so when can I refi to get some cash to pay off the high interest 8K loan. Or could I get another loan at a lower rate and pay off the higher rate loan. I need some advice on the best way to go about this. Because we can handle the mortgage and the loan but want to get out of it as soon as possible. All serious suggestions are appreciated

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