Mortgage with a balloon at the end. how to get out of it?

the balloon at the end of the mortgage is 89,000. if i were to refinance do they take that and add it to what I currently owe? I'm really wondering if i made a wise choice 4 years ago. please help
Update: the mortgage of 113,000 goes until year 2036 then the balloon is due of 89000.
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