In considering where you will go after you sell, while some loans have a flat rate after meeting minimum requirements, most loans will have different interest rates depending on your credit. If you're able to quickly improve your credit in order to get a much better loan rate, it might be worth waiting, though if the interest rates, which fluctuate over time, move up faster than you, it could be a net loss to wait, so there is that element of risk. To see more on credit, go to my page on the subject here. https://www.adambgarrett.com/credit