Can I get a personal loan to take to closing to cover the loss on my house in Maryland?

I owe $260k on my home but housing prices in my area have plummeted to $200k or less. I want to move to a better neighborhood with good schools before my daughter starts school (she is 2). I also have a baby on the way. I was told to wait it out or rent but there is no way that we could break even in 2 years when house prices increase 3-5% a year. It will be at least 5-10 years my real estate agent said. So I am trying to figure out how I can get out of this house without doing a short sale. Our credit is great and I we want to buy another house so a short sale would not be good for us. Plus we wouldn't even qualify for a short sale since we can already pay our mortgage now. So what are my options? I really don't want to rent and buy a new home and take the chance of getting bad tenants that destroy my home. But I don't know how to pay the bank back all of this money that we would owe without getting a personal loan, if that is even an option.