It's always difficult to turn an action or set of actions into X points for one's credit score. For one thing, it's not just a matter of the actions themselves but one's credit and how those changes factor in. Refinancing a home will add a new account with a high LTV but it is an installment so the impact of a new installment isn't necessarily the same as a new revolving account. A reduction of 25K in revolving debt sounds like it should offer significiant improvement but it's all a matter of the impact to revolving utilization. You can do the math to see how your revolving utilization would change. However, iagain, it's difficult to say that you'll see a change of X points. Number of points also depends on the specific scoring model.
Your overall financial health should come first. The scoring impact will be whatever it will be and you'll just have to wait for the dust to settle to find out.
