Thank you to everyone offering advice.  Before using the cards to improve my home, my UTI was about 1-2% total.  So as soon as I get the refi done with the Mortgage company my UTI will go back to 1% or less instead of 80-90%.

So with no baddies at all, and just a high UTI is all that I was worried about as far as getting a strong Mortgage rate because of how it dropped my score over the past few months as I have borrowed for my home.

Hopefully then the mortgage company looks and see's that I have invested money on my home, and sees the equity I am using to pay off the cards.