nah, strongly disagree! Do transfer now, as quick as possible ! I have been studying in the states for 8 years. My experience can tell ya that transferring student is a lot easier to get in top universities in the states. Being said, a top good university takes less challenge to continue for further studying in graduate school.
Let me know if you need further help, this is really critical for ya right now. You gotta do this right now coz the winter term is coming soon.
Hope this helps
go to do your master degree !!!
analysed from all aspects !
if you want to go now, you have to take TOEFL ,and you could hardly have any credits transferred
if you go in 3 years from now, you still have to take TOEFL and maybe GRE,, but it takes only up to 2 years to get a master degree ,