FAST. ACCURATE. PROFESSIONAL

AARON
APPRAISAL

Real Estate Appraisers

Mailing Address:
PO Box 18057
Rochester, New York 14618
Phone: 585-244-5660
Fax: 585-244-5129
E-MAIL:aaronappraisal@yahoo.com
JAMES T. SCHOLL
NYS CERTIFIED APPRAISER
#45000044899
FHA CERTIFIED & FHA REVIEWER
E-MAIL:
aaronappraisal@yahoo.com

MICHAEL W. FARASH
NYS CERTIFIED APPRAISER   
#45000045839
FHA CERTIFIED
E-MAIL:
aaronappraisal@yahoo.com




MISSION STATEMENT

We will continue our pursuit to be the
most knowledgeable, Real Estate
Appraisers in the greater Rochester,   
New York area.
We will continue to improve the speed
and accuracy of our reports. We will
accomplish these goals through the
constant application of education and
technology.



Phone: 585-244-5660
Fax: 585-244-5129
aaronappraisal@yahoo.com


Links

Main office:
333 Metro Park, Suite M208
Rochester, New York 14623
585-244-5660

Downtown:
16 East Main Street, Suite 950
Rochester, New York 14614
585-704-5660

WHY USE AARON APPRAISAL AS YOUR APPRAISER?

FAST. Appraisals completed in 24-48 hours after inspection. (Sometimes the same day !)

ACCURATE. What good is speed if your underwriter must hold up closing waiting for
clarifications or additional  information from the appraiser ? (mortgage appraisals)

PROFESSIONAL. We are constantly taking  additional appraisal courses to keep abreast of
the most recent changes in appraisal practice and law. We are keenly aware of the issues
involved with an Appraisal for a Mortgage, Estate, Divorce, Bail Bond, and  Bankruptcy.


AREA OF COVERAGE: Counties of Monroe, Wayne, Ontario, Livingston, Genesee, Orleans,
Wyoming, Seneca, and Yates.


MENU OF REAL ESTATE APPRAISAL SERVICES:
Virtually all types of  residential real estate appraisals. When engaging a Real Estate Appraiser try to be specific as to what you want appraised. For a mortgage a Property Appraiser will want to follow all guidelines relating to bank appraisals. If it is an FHA Home Appraiser you need there are guidelines specific to FHA. If your House Appraiser is providing you with an Estate Appraisal they will be doing a retrospective appraisal. Questions ? 585-244-5660.

Residential Mortgage Appraisals

Single Family
Drive By
Multifamily
Reverse Mortgage
FHA Appraisal
Field Review
Retrospective, Historical, and Retroactive Appraisal
Desk Review
REO
Pre-Purchase
Home Equity

Call for pricing and other forms.

Appraisals For Attorneys, Accountants, Homeowners:
Estate (Probate) Appraisals
Divorce Appraisals
Tax Assessment Grievance (To Lower High Property Taxes)
Employee Relocation Appraisals (ERC)



When Else Do I Need a Real Estate Appraiser?

Appraisals Are Our Only Business
When you need a Real Estate Appraiser time is often critical. AARON APPRAISAL is focused only on
the appraisal business. We know our business, including all lending regulations and USPAP
compliance. We put that knowledge to work to meet our clients’ needs; speed and accuracy in
the delivery of our reports.

Our operations are fully computerized, utilizing Nova  as our appraisal software.  
Appraisals are provided in digital format and can be sent via e-mail or EDI.

Whether you are a Lender, Attorney, Homeowner, or anyone looking for quality reports
delivered in a timely manner, call AARON APPRAISAL now for all your appraisal needs, and
start getting the service you expect.

Real Estate Appraisal, Property Appraisal, Home Appraisal, or House Appraisal no matter what
title you use we are experts in determining Real Estate values.

Estate Appraisals

Contact Us about Estate Appraisals or call 585-244-5660

As an Executor you have been entrusted to carry out the wishes of the deceased as swiftly and exactly as possible. Attorneys and Accountants rely on our values when calculating real property values for estates, divorces, or other disputes requiring a value being placed on real property. We understand their needs and are used to dealing with all parties involved. We provide appraisal reports that meet the requirements of the courts and various agencies. Settling an estate usually requires an appraisal to establish Fair Market Value for the residential property involved. Often, the date of death differs from the date the appraisal is requested. We are familiar with the procedures and requirements necessary to perform a retroactive appraisal with an effective date and Fair Market Value estimate matching the date of death. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion. Having a professional appraisal gives the executor solid facts and figures to work with in meeting IRS and state agency requirements. It assures peace of mind to everyone concerned because we are there to stand behind the appraisal if it is challenged.

Divorce Appraisals

Contact Us about Divorce Appraisals or call 585-244-5660

Finalizing a divorce involves many decisions, including "Who gets the house"? There are generally two options regarding the house - it can be sold and the proceeds divided, or one party can "buy out" the other. In either case, one or both parties should order an appraisal of the residence. Divorce appraisals require a well supported, professional appraisal that is defensible in court. When you order an appraisal from us, you are assured that you will get the best in professional service, courtesy, and the highest quality appraisal. We also know how to handle the sensitive needs of a divorce situation.

To Contest High Property Taxes

Contact Us about Contesting High Property Taxes or call 585-244-5660

If property owners feel that their property is assessed too high, then they may order an appraisal from a qualified appraiser to contest the assessment. In certain parts of the country this practice is common, but many property owners are not aware that this avenue for reducing their tax burden is available. The return on investment is easy to perceive when the cost of an appraisal is compared to several years of lower taxes. The appraiser, however, must be careful not to base the appraisal fee on the dollar amount of the appraised value, which could be a violation of the USPAP.

To Establish Just Compensation for Condemnation

Contact Us about Establishing Just Compensation for Condemnation or call 585-244-5660

The appraiser may represent either the landowner or the condemning authority. Usually, the government entity that needs the land for public use orders an appraisal and offers to purchase the land for the value indicated by the appraisal. If the landowner feels that the amount offered by the condemning authority is not enough, then the landowner may also order an appraisal. If the parties cannot agree on a price, then the matter will be settled in court with each appraiser testifying on behalf of their respective value estimates. The appraisers are not advocates for their client; they are expert witnesses trying to support their value estimates. Often landowners do not consider ordering another appraisal from an appraiser of their choice. Usually, they try to settle with the authority by negotiation rather than incur the expense of an appraisal. It is obvious that the landowner's negotiating position would be enhanced if a supporting professional appraisal report were available

PMI Removal

Contact Us about PMI Removal or call 585-244-5660

Private Mortgage Insurance or PMI is the supplemental insurance that many lenders ask home buyers to purchase when the amount being loaned is more than 80% of the value of the home. Very often, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal paydown - dips below this 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met. AARON APPRAISAL offers a specific service for home owners that believe they have met the 80% loan-to-value metric. For a nominal fee (often recovered in just a few months of not paying the PMI) the appraiser can provide you with a real estate appraisal showing the new home value.

To Establish the Replacement Cost for Insurance

Contact Us about Replacement Cost For Insurance or call 585-244-5660

Appraisals obtained for establishing the loss risk in case of fire are often limited to providing an estimate of the replacement or reproduction cost of the improvements. The insurable value may not be representative of market value and usually does not include the value of the land. Insurance agents may order appraisals when their standard cost service manuals are not adaptable to an atypical home or structure. Property owners may order appraisals to contest the annual appreciation increases mandated by some insurance companies, especially when the increase in the insurance coverage results in an unrealistic premium.

Commercial Appraisals

Contact Us about Commercial Appraisals or call 585-244-5660

We provide Commercial (General) Appraisals for any commercial, industrial, office, retail property.





COVERAGE AREA BY ZIP CODE
MONROE COUNTY
14410 14414 14416 14420 14428 14445 14450 14464 14467 14468 14470 14472 14482 14502 14506 14514 14526 14534 14543 14546 14559 14564
14580 14586 14604 14605 14606 14607 14608 14609 14610 14611 14612 14613 14614 14615 14616 14617 14618 14619 14620 14621 14622 14623
14624 14625 14626

ONTARIO COUNTY
14415 14424 14425 14432 14456 14466 14469 14471 14472 14475 14485 14487 14489 14502 14504 14512 14513 14522 14532 14534 14544 14548
14560 14561 14564

WAYNE COUNTY
13143 13146 13148 14433 14489 14502 14505 14513 14516 14519 14522 14551 14555 14568 14589 14590

LIVINGSTON COUNTY
14414 14423 14435 14437 14454 14462 14466 14472 14480 14481 14485 14486 14487 14510 14512 14517 14525 14533 14545 14546 14560 14572
14822 14836 14846

ORLEANS COUNTY
14058 14098 14103 14105 14125 14411 14416 14422 14470 14476 14477 14571

GENESEE COUNTY
14001 14003 14004 14005 14011 14013 14020 14036 14040 14054 14058 14103 14125 14143 14416 14422 14482 14525 14591

WYOMING COUNTY
14004 14009 14011 14024 14037 14039 14040 14054 14066 14082 14083 14113 14145 14167 14427 14481 14525 14530 14536 14550 14569 14591

SENECA COUNTY
13034 13148 13165 14433 14456 14489 14521 14532 14541 14847 14860 14886

YATES
14415 14418 14441 14456 14478 14507 14512 14527 14544 14561 14837 14842 14873 14878

Areas We Service
Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Wayne, Wyoming, and Yates Counties in New York

Monroe County:

Rochester, Brighton, Brockport, Chili, Churchville, Clarkson, East Rochester, Fairport, Gates, Greece,
Hamlin, Henrietta, Hilton, Honeoye Falls, Irondeguoit, Mendon, Ogden, Parma, Penfield, Perinton, Pittsford,
Riga, Rush, Scottsville, Spencerport, Sweden, Webster, Wheatland.

Genesee County:

Alabama, Alexander, Alexander Village, Batavia, Batavia City, Bergen, Bergen Village, Bethany,
Byron, Corfu Village, Darien, Elba, Elba Village, LeRoy, LeRoy Village, Oakfield, Oakfield Village,
Pavilion, Pembroke, Stafford.

Livingston County:

Avon, Avon Village, Caledonia, Caledonia Village, Conesus, Dansville, Geneseo, Grove land,
Leicester, Lima, Livonia, Mt. Morris, Nunda, Ossian, Portage, Sparta, Springwater, York.

Ontario County:

Bloomfield, Bristol, Canadice, Canandaigua, Clifton Springs, Farmington, Geneva, Gorham,
Holcomb, Hopewell, Manchester, Naples, Phelps, Richmond/Honeoye, Rushville, Seneca, Shortsville, Victor.

Orleans County:

Albion, Barre, Carlton/Waterport, Clarendon, Gaines, Holley Village, Kendall/Morton, Lyndonville,
Medina, Murray, Ridgeway, Shelby, Yates.

Wayne County:

Arcadia, Butler, Clyde, Galen, Huron, Lyons, Macedon, Marion, Newark, Ontario, Palmyra, Red Creek,
Rose, Savannah, Sodus, Walworth, Williamson, Wolcott.

Wyoming County:

Arcade, Attica, Bennington, Castile, Covington, Eagle, Gainesville, Genesee Falls, Java, Middlebury,
Orangeville, Perry, Pike, Sheldon, Silver Springs, Warsaw, Wethersfield, Wyoming Village.

Yates County:
Barrington, Jerusalem, Potter, Benton, Middlesex, Starkey, Italy, Milo, Torrey

Seneca County:
Covert, Romulus, Lodi, Ovid, Varick, Fayette, Seneca Falls, Waterloo, Junius, Tyre