Barbara Fitzgibbon-Broker-Associate, Turnersville, N.j, First, remember that an appraisal is 1 man oppinion.You can appeal the appraisal, ask your Realtor to gather all comps with in the last 4 mo. that would be somewhat comparable to your home. I think if you get some good info for them, most appraisors are willing to look at it and hopefully increase your value, if it's there. The last resort is, you would have to bring the difference to the table which unfortunately has been done many times recently. A short sale is a fairly long process and damages your credit for some time. If I can offer any help, let me know. Good Luck!