I would like to sell my home the appraisal value to loan value is very close?

Don't guess, and don't assume. Contact a real estate agent. Have them do a market analysis to get an accurate picture of what the home could sell for in today's market. Values have gone up across the country, and most county assessed value is lower than actual market value.

Are you current on the payments? You can request bank to allow you to do a short sale.

Typically, you will have costs associated with the sale of your home.. These costs are your responsibility.. if it's close, you should contact a local real estate agent who is familiar with your area and let them do a comparative analysis. They should be able to tell you if you can sell without coming out of pocket.. If your still a little off, you can always wait a bit more for your value to increase.. But depending on how close you are, I wouldn't suggest a short sale.. Doing a short sale will negatively impact your credit and if you intend on purchasing something right after, you wont be able to for 3 years in most cases.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com