Puerta, Definitely speak to a lender to get your facts. The best place to start is with whom holds your current mortgage. Also, you may want to consult with your attorney to get your facts on what your options are.
Do you currently have an FHA Loan? The max loan amount is 97.75%. I'd suggest giving Mark Dalbon a call - he's a Ross Mortgage in Leominster 978-860-0100. He should be able to answer your loan questions. I hope this helps!