Its probably not what you want to hear, but I would highly suggest in your waiting period working to improve your credit score. There are free credit services out there that will help you understand your credit reports and give advice how to improve your number. The higher your score, the better rate you will eventually receive. Lower rates equal real money when you eventually get your next mortgage. The most important components are that you pay your bills on time and that you do not have any additional unpaid debts. Good luck to you!