I have a first and second mortgage on my home which if I wanted to has enough equity to refi or sell. Two years after the purchase of my home I financed a swimming pool.

My monthly payments of $366.00 have been paid for three years and my loan amount has only been reduced by 2000. I also have discovered that this loan is tied in somehow to my first mortgage. Now I am stuck unless I pay off the enitre loan.which I can't do. Is there any way to detach that loan so I can refi it would free up funds and i could be more productive on paying it down.