Turd,
How long have you had the BoA account? The interest you have now is not considered a bad rate so if you can't pay down the principal now you may have some problems.
Do you have any cash reserves? A high down payment tidyied away? If you could simply pay that CC debt down to under 20% your scores should jump quite a bit, possibly to the point of getting you a lower monthly payment which would compensate somewhat for a larger loan. It sounds like this is your only revolving account and it has fairly high util which is hurting your score.
Applying for new credit recently before a mortgage, especially if you have only 1 card may not look good to a loan officer either.