Just bought a home, looking for financing for addition

[Jose Zambrano]

Hello,

Just bought a home through with FHA loan, added some of the rehabbing costs onto 2 credit cards with 0% interest. Credit scorer when to mid 600's. Looking for a loan to build equity by adding an ADU or an addition to the house, refinancing by april/may into a conventional loan and hoping to take the PMI off. But i dont know what to do, should i pay off credit cards first, its about 25k, or can i seek financing with a bank or private lender? if so can someone give me their thoughts. This is the first home i buy