I have a gap in my loan to value. I want to sell my house; how do I cover the balance I owe the bank? can I get a personal loan? It's only like $78,500.

what do you mean ? a gap in your loan to value ? do you mean you owe more than the property is worth ?

Not sure what you mean by gap. Do you mean you owe more than the home is worth? if that is the case, you can try to get a personal loan to cover the difference, or if you can also try getting the lender to accept a short-sale of the home. This is where you find a buy, but the sales price is less than you owe. You negotiate with the bank to settle for the sales price as payment in full. I lend in SD, MN, and WI. I can be found at JoeMetzler.com NMLS274132