Actually, I think I'm more bullish on yoru chances than you are. I think you have a pretty good chance at all three of those schools. I've heard adcomms say that they like to see strong finishes in undergrad GPA (rather than starting off strong and teh ncosting in yoru senior year), and it sounds like you're in that camp. Trust me... They do NOT just look at the raw number and make a decision, ever.
One thing you didn't really mention was what you want to do after school, why you want an MBA, etc. But, even without that, I could see you getting into those schools. You clearly have the maturity to do so. It also sounds like you've moved up quickly in yoru career, too.
Yeah, I know what you mean about your GMAT score... Ideally a bit higher in quant, but this score will not keep you out of any school. No need to take again.
In terms of hiring an expert, it might help, but I actually don't think that your story is all that complicated or hard for an adcomm to "get." I think you can get in!
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