Our recomendation is to talk with the your loan specialist for their advice. They will be able to provide the guidance you are seeking.
It is important to know that paying a lot of debt in a short time normally REDUCES credit score. It sounds a little odd for most people since they think that having no debt at all is a good thing......
To make a long story short, the best thing to do is to run the loan scenario through the system to see if you are approved and under what terms. It is not advised to take any action prior to.
Remember when you enter the home buying process, your ability to pay your mortgage is determined by your gross income, not your net. Simply put its based on your income prior to taking any deductions into account. Try reassessing with your net worth with debt included to see how you fair then. Just like you can get a pre- approved loan, your mortgage is pre-affordable.
Ultimately the underwriter may make certain stipulations in regards to your application as well, so yoi may want to submit an application first.
You will find that banks are really tightening up on underwriting of loans and credit card debt is foremost in their minds.
However you are going to find it almost impossible to find a jumbo loan with 10% down
You really need to discuss this issue with a good mortgage agent and find your options and this is not really the forum where you will find your answers.