just took the gmat today

I was in the same boat last year. I'll tell you what I was told.

I would wait and apply for fall next year. In my case - I could probably have applied late late R3 for some school somewhere and got in but I would never have been admitted to the schools I got into. Not in a million years. I needed the time to really polish my background and story.

A few other things to consider:

Moreover, this year has been brutally competitive, and I can't imagine there are many spots left in R3.... but it really depends where you want to go. That GPA/GMAT combination in a Round 3 is going to be a very hard sell for ultra elites and elites.. An alumnus from an ultra elite told me last yaer about R3 "Unless your GMAT is spectacular don't even bother applying." Remember that in R3 you are competing against everyone waitlisted in R1 *and* R2.... They have a lot of candidates to pick from to fill the class at that point --- you have to stand out against all of them.

Moreover, given the rushed nature of your post - and I admit I'm stretching a bit here - I wouldn't be surprised if your essays were also rushed. A word to the wise: If you haven't been working on them for weeks already, and they aren't the most polished thing youv'e ever made, you may be in for a round of dissapointments. I'm also worried about your statement about where you should apply --- you need to KNOW your schools well and make it clear you know why you want to come. If you haven't yet selected your schools, you likely know very very little about them. If you don't have campus visits, student interactions, alumni conversations, hours of research online, etc - I cant see you putting together an especially impressive package. Thats not a "knock" on you - thats just the truth for anyone - myself included.

Moreover, you are about to invest $120,000 of your hard earned cash - or debt - picking the right school for you takes time and effort. I don't suggest you rush into applications and selecting a school with a light hand. Really think about what you want, why you want it and where you can get it. Look for cultural fit. Location. Long term prospects. Student body. Town gown relations. Etc. Think about all these core elements and really stop and ask yourself what school you want to attend.

When you can describe via solid and polished essays that convey a crystal clear message with blinding passion why you want an MBA now from school X, you'll be ready. If thats' now, then go for it. Otherwise, I'd wait.