If this original loan had a fixed interest rate mortgage which has now considerably reduced, then you may want to take a new loan at a more favorable interest rate.

It is also important that you treat this as a major financial decision, as it can make or break your financial future.
If rates are low, you do to save on your monthly payments, and if the trend remains for a considerable time, it is an advantage.
Additive to your 80/20 mortgage some offer financing for 103% of the value of your home.

By the 80/20 you flee private mortgage insurance, which can add hundreds of dollars to your cyclic mortgage payment mortgage.

But while you're there, stop using your credit cards and live on a miserly budget.