Honestly though, not sure why your credit card got that high, but consider chatting with a financial planner or credit counselor to figure out what makes the most sense for you.
If you didn't have a goal of getting a home loan, I'd suggest paying down the higher interest loan first. And that's most likely your credit cards.
One other tip: Talk to an accountant about increasing the number of your withholdings. Unless something exceptional happened to you last year, it's not a great idea to get so much back from taxes. The goal really is to get a minimal amount back; anything more is the equivalent of an interest-free loan to Uncle Sam. Some people use a tax refund as a form of forced savings. But there are other ways to do the same thing.
Again, talk to an accountant to see whether your withholdings should be adjusted. And talk to a loan officer regarding which debt to address first.
Hope that helps.
I want to support a lot of what's said below and I certainly encourage you to speak with a mortgage professional as part of a pre-approval process. But what I really want to say here is, it's not as simple as what Suzi Orman always says. In other words, if your goal is home ownership, then you want to rig your system to get a mortgage approval, perhaps not make the perfect financial moves based on FICO score, long-term investing, etc. If you have a specific goal and that is your priority, you need to recruit those who can still act in your best interests, but help you do it.
These days, mortgage lending/borrowing is definitely not DIY.
Best of luck,
There are different ways of looking at this and I strongly encourage you to meet with a mortgage lender before you decide. Your scores, debt ratios and available down payment & closing costs all need to be considered before you decide.
As a formerly licensed lender I can envision various scenarios with different outcomes, so specific answers here based on limited information may not be right for you.
The other benefit of meeting with a lender early is to verify your credit report is clear of errors. If it's not you have a chance to address them early in the process. You will also find out if you are better off having some of that cash in hand. Get to a great local lender and see what you come up with together. Best of luck.