It is odd, but honestly you've got 20% down payment which really can (and does) supercede almost everything else. That's a massive down payment compared to most mortgages and your loan officer probably knows the fudge factor in your credit score even if a huge payment was credited to one credit card.
I assume you'd use an already open line of credit or card? If so, it probably won't even report anytime soon, right?
If waiting a week costs you $0 but some sleeping in a camping sleeping bag, I'd say wait a week anyway.
Patience is prosperity!
When I bought my current home, I tore out my kitchen over 6 weeks -- and lived without a kitchen for a year in order to snag literally the best pricing for everything I needed. Had to wash my dishes in the bath tub, lol. But I think I saved over $11,000 versus putting everything on a Lowes 0% card or whatever people love doing. I hated not having a kitchen, I love the money in my pocket. If you can patiently wait even a week to increase value (meaning, risking a mortgage would decrease value) at little to no cost but emotions, do it!
