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$750,000
5 Beds ⋅ 3 Baths ⋅ 10639031 MLS
With lake views, flexible living and room to spread out, this spacious home in South Shore Estates offers the space and versatility today's buyers are looking for. The standout feature is the massive primary suite, with plenty of room for a sitting area, exercise equipment, or private retreat, bring your California king, it will fit. With 5 bedrooms, including a third-floor room that could easily serve as a media room, home office, playroom, or guest space, the flexible floor plan adapts to a variety of lifestyles. Outside, enjoy a large deck overlooking beautifully landscaped grounds, creating the perfect setting for entertaining or relaxing. Conveniently located near shopping, dining, parks, and in the Ocean Lakes High School and Princess Anne Middle School district. A wonderful opportunity to enjoy space, flexibility, and a great location.

2113 Bierce Drive, Virginia Beach
$385,000
3 Beds ⋅ 2.1 Baths ⋅ 10639422 MLS
Welcome Home! Come tour this beautifully remodeled 3 bedroom, 2 bath home in the heart of Kempsville! This move in ready property features all new flooring, fresh paint, a new roof, HVAC system, water heater, and windows. Conveniently located near shopping, dining, and schools, this turnkey home is ready for its new owners! Schedule your showing today.

1568 Kempsville Road, Virginia Beach
$959,900
5 Beds ⋅ 3.1 Baths ⋅ 10639510 MLS
Make the model home yours and enjoy the spectacular designer upgrades featured throughout this exceptional home, just a 5-minute drive to Croatan Beach! This stunning 5-bedroom home showcases a gourmet chef's kitchen appointed with KitchenAid appliances, top-tier cabinetry, quartz countertops, designer backsplash, and an expansive center island with abundant seating. Filled with natural light, the kitchen flows seamlessly into the charming dining nook featuring custom lighting and a built-in window seat. The inviting family room is anchored by a gas fireplace with a dramatic stone and shiplap feature wall, complemented by custom built-in cabinetry. Extensive trim details and upgraded finishes throughout create the feel of a truly custom home. Beautiful hardwood flooring extends up the wood staircase and continues through the upstairs hallway and primary suite. Retreat to the luxurious primary bath, designed as an oasis with a freestanding soaking tub, expanded shower.

808 Azusa Way, Virginia Beach
$339,900
3 Beds ⋅ 2 Baths ⋅ 10639483 MLS
Renovated home in a convenient Virginia Beach location near shopping, dining, military bases, and major travel routes. The updated kitchen features stainless steel appliances, shaker-style cabinets, granite countertops, modern finishes. Bathrooms have been updated with tiled showers and granite-top vanities. The primary suite includes an ensuite bath with a double-sink vanity and a bonus room that can be used as an office, sitting area, home gym, or additional storage space. Recent updates include new LVP flooring and fresh paint throughout. Additional features include a utility room, storage space, and a fenced backyard. Some photos digitally altered or enhanced.

749 Holladay Lane, Virginia Beach
$399,900
3 Beds ⋅ 2 Baths ⋅ 10639193 MLS
Beautifully updated ranch in the heart of Kempsville, just minutes from Town Center, Mt. Trashmore, shopping, dining, and entertainment. This 3 bedroom, 2 bath home offers an open and inviting layout with numerous recent updates, including fresh paint, new flooring, landscaping, and a brand-new covered back patio. The recently refreshed kitchen features updated cabinetry, new stainless steel appliances, and a bright breakfast area beaming with natural light. The spacious primary suite boasts dual closets with custom built doors, an updated ensuite bath, and modern finishes. Step outside to enjoy the fully fenced backyard, perfect for entertaining, relaxing, pets, or play. Complete with an attached garage and conveniently located near Larkspur Greens Park and sought-after Kempsville schools, this move-in ready home is one you won't want to miss!

4037 Smokey Lake Drive, Virginia Beach
$409,000
4 Beds ⋅ 2 Baths ⋅ 10639424 MLS
Welcome home to this beautifully updated 4-bedroom, 2-bath ranch nestled in the desirable Princess Anne Plaza community. Offering a combination of comfort, style, and functionality, this move-in-ready home welcomes you with a bright, open layout filled with natural light. Fresh paint and updated flooring create a warm, modern feel throughout the living spaces. The spacious kitchen comes fully equipped with all appliances, while the oversized utility room including washer and dryer adds everyday convenience. The bonus room could act as a 5th bedroom. Start your mornings on the inviting front porch, the perfect spot to enjoy a cup of coffee and connect with the neighborhood. Energy-efficient solar panels help keep utility costs low while adding long-term value and sustainability. Whether you're searching for easy single-level living, extra space to spread out, or a centrally located home with shopping, dining, and local amenities, this property is ready to impress!

3104 Coach House Lane, Virginia Beach
$849,000
5 Beds ⋅ 3 Baths ⋅ 10639380 MLS
Discover the perfect blend of country living and new construction on approximately 3 acres surrounded by peaceful rural views. This property is offered with the Lucy Model to be built. The Lucy Model is everything you envision in an open-concept design. The spacious kitchen features a large peninsula, soft-close cabinetry, durable LVP flooring, and overlooks the dining and living areas, creating an ideal space for everyday living and entertaining. The first floor also includes a large bedroom or media room with a dual-entry full bath and an attached two-car garage. Upstairs, you'll find a primary suite with a walk-in closet and private bath, three additional bedrooms, a full hall bath, and a convenient laundry room. Enjoy outdoor living from the welcoming front porch and rear patio while taking in the surrounding countryside. Prefer a different layout? Buyers may choose to build the Lucy Model, create a custom home design, or purchase the lot separately. Inquire for specifics. Photos are of complete model. Details, upgrades, and features may differ. Showings by approved appointment only.

2-A Hungarian Road, Virginia Beach
$545,000
3 Beds ⋅ 1.1 Baths ⋅ 10639369 MLS
Charming Beach bungalow on extra large lot with detached garage. In the heart of the VIBE district just 1/2 mile to the oceanfront/ boardwalk.

607 16th Street, Virginia Beach
$359,500
3 Beds ⋅ 2 Baths ⋅ 10639068 MLS
Beautiful 3-bedroom, 2 bath home in the Timberlake neighborhood. First-floor primary suite, updated kitchen, renovated showers and a beautiful staircase leading to two upstairs bedrooms and a full bath. Major udates include: a roof, HVAC and water heater. Enjoy the covered front porch spacious backyard and convenient location near Military Highway, shoppong, dining, and major routes.

4048 Barkleaf Drive, Virginia Beach
$823,599
5 Beds ⋅ 3.1 Baths ⋅ 10639293 MLS
NEWLY PRICED! Welcome to your pristine new home just miles from the beach! This 5 bedroom coastal home is MOVE IN READY with a private fenced in wooded yard adjacent to walking trails, and a bike path leading you straight to summer. Without the wait on the final phase of new construction, this home offers you a downstairs bedroom easily flexed for your home office, a custom coffee bar/butlers pantry, open area living and 4 bedrooms upstairs each with private bathrooms and a second floor laundry room. The primary bedroom offers a generous walk in closet with a luxurious primary bath that you've been dreaming off. Located in close proximity to two bases, easy interstate access and all the best shopping and restaurants to choose from. Come see your next designer dream home!

1325 Narrow Way, Virginia Beach
$370,000
3 Beds ⋅ 2.1 Baths ⋅ 10638449 MLS
Welcome to this charming 3-bedroom, 2.5-bath contemporary home filled with warmth and character. The inviting living room boasts soaring cathedral ceilings and a cozy fireplace, creating an open yet comfortable feel. The kitchen features stainless steel appliances and flows into the dining area, ideal for daily living and entertaining. The primary bedroom offers an ensuite bath for comfort and privacy, while two additional bedrooms and a full bath provide versatile space for family, guests, or a home office. Step outside to a fenced backyard perfect for relaxing, gardening, or hosting gatherings. Added highlights include fresh interior paint, a new hot water heater, and a new washing machine for peace of mind. For even greater value, the seller is providing a carpet allowance, giving you the chance to customize flooring to your style. With thoughtful design and inviting details throughout, this wonderful home is ready to welcome you.

5104 Earlston Lane, Virginia Beach
$440,000
3 Beds ⋅ 2 Baths ⋅ 10639249 MLS
Coastal living awaits in this stunning, updated ranch home in Ocean Lakes! This beautiful single-story home features 3 spacious bedrooms and 2 full baths, tailored for easy living. At the heart of the home is a modern kitchen fully equipped with granite countertops and sleek stainless steel appliances. Stunning luxury vinyl plank flooring flows seamlessly throughout, leading to a fantastic year-round sunroom. Move in with peace of mind thanks to a newer roof and HVAC system. Located in the sought-after Ocean Lakes neighborhood of Virginia Beach, you will enjoy community pools, playgrounds, tennis courts, and clubhouse access. All of this is moments from the beach, military bases, shopping, and dining.

1005 Culmer Drive, Virginia Beach
$385,000
3 Beds ⋅ 2 Baths ⋅ 10639282 MLS
Come check out this awesome corner lot with 2 story detached garage that has power! This beautifully maintained ranch features 3 bedrooms and 2 full bathrooms, as well as a spacious living room and cozy den with fireplace. ASK ABOUT THE VA ASSUMPTION OPPORTUNITY!***ASSUMPTION***-$2498 monthly PITI-$367,738.77 loan balance at time of listing -Rate: 5.25%Rare to find a great assumption opportunity with so little gap cash needed to make it yours.Call the listing agent for your private showing!

1516 Gardenwood Parkway, Virginia Beach
$950,000
4 Beds ⋅ 3 Baths ⋅ 10639264 MLS
Come Check out the stunning 3,100 Square foot 4-bedroom, 3-bath waterfront ranch home in beautiful South Shore Estates! This waterfront dream has been tastefully updated throughout and includes a gourmet kitchen with top of the line appliances, extensive outdoor entertaining areas overlooking the water. Including a custom paved fire pit area and hot tub. Huge stationary dock and your own floating motorized dock also convey. Boat up to local restaurants or just relax and swim in the spring-fed, fresh water 50-plus acre lake. This home boasts fiber cement siding, newer roof, newer tankless water heater, newer HVAC, motorized awning, and fully encapsulated crawl space. Close to tons of shopping and dining choices as well as several bases and the oceanfront! Don't miss out on your chance to own this one of a kind luxury home!

2124 Bierce Drive, Virginia Beach
$495,000
5 Beds ⋅ 3 Baths ⋅ 10639077 MLS
Welcome home to this beautifully updated 5 bedroom, 3 bathroom home offering just over 2,300 square feet of stylish and functional living space. Freshly renovated, this home features new LVP flooring and carpet, as well as, fresh paint. Enjoy the updated kitchen with granite countertops creating the perfect space for cooking and entertaining. With 3 spacious bedrooms upstairs, the downstairs offers 2 bedrooms, a full bathroom, living areas and a great reading nook. This home features versatile living areas with the perfect blend of comfort and convenience. Don’t miss the opportunity to own this beautiful property that’s ready for you to move in and make it your own!

1412 Talisman Circle, Virginia Beach
$350,000
3 Beds ⋅ 2 Baths ⋅ 10639227 MLS
Welcome home to this beautifully updated ranch in the Timberlake community of Virginia Beach! This 3-bedroom, 2-bath home offers comfortable one-level living with an open layout and cathedral ceiling that creates a bright and spacious feel. The living area features a cozy wood-burning fireplace, while the kitchen is equipped with stainless steel appliances. Recent updates include a new roof and new windows installed in 2023, new flooring and fresh paint throughout, along with remodeled bathrooms. Additional features include a Nest thermostat, added attic insulation, and an attached 1-car garage, offering comfort, efficiency, and convenience. The fully fenced backyard provides privacy and space to enjoy the outdoors. Conveniently located near shopping, dining, parks, and & more! Residents also have access to neighborhood amenities including playgrounds, tennis courts, and a clubhouse. A wonderful opportunity to enjoy updated living in the heart of Virginia Beach. Incentives may be available through preferred partners. Contact listing agent for details and eligibility.

1061 Tall Oak Drive, Virginia Beach
$1,380,000
4 Beds ⋅ 4.1 Baths ⋅ 10639159 MLS
Don't miss this recently renovated and fully rehabbed colonial gem in the sought-after Great Neck corridor of Virginia Beach in a top-rated school zone. The fully rehabilitated interior merges timeless architecture with modern living floorpan and luxury design. Enjoy a recently refinished deck off the fully remodeled chef's kitchen as well as a new private deck off the beautifully renovated primary bedroom. Traditional floor plan has been opened up to create a seamless flow between the family room, dining room, and kitchen. Brand new LVP flooring throughout the entire first and second levels. The formal living area features a fireplace surround and is wrapped in custom beadboard paneling. Kitchen upgrades include brand-new stainless steel Kitchen Aid appliances, including features like a 5-burner gas cooktop in-island, double wall oven/microwave, and a wine wall. The expansive island seats up to 6 people, features carrara quartz, floor-to-ceiling custom soft-close cabinetry, a farmhouse sink, and elegant pendant lighting. The primary suite is a spacious sanctuary featuring a large walk-in closet with organizer shelving, and a spa-like en-suite bath. The primary bath features include a walk-in tile shower with a luxurious freestanding tub, double vanities, double linen closets with quartz countertops. Additional Bedrooms: Generously sized with ample closet space and private bathrooms for each boasting premium tile surrounds and hardware. Smart locks installed on front entry and garage entry doors. Unfinished room over the garage is waiting for your custom design. You could turn it into a home office, home gym, home theater, play room...the possibilities are endless! Experience the absolute best of Great Neck living! This one-of-a-kind Shorehaven property delivers unmatched charm and a deep sense of community. From the top-rated school districts to year-round neighborhood events hosted by the Riverhaven Civic League, this home offers a lifestyle like no other. Don't miss out—book your showing today!

2628 Shorehaven Drive, Virginia Beach
$694,900
5 Beds ⋅ 2.1 Baths ⋅ 10638812 MLS
Beautifully updated 5-bedroom, 2.5-bath home located in established neighborhood w/sought-after schools. Spacious home offers functional layout w/generously sized bedrooms, including large primary suite featuring walk-in closet & an updated en-suite bath w/custom tile walk-in shower & separate jacuzzi tub. The updated kitchen includes custom cabinetry, granite countertops & movable island, making it great for everyday living & entertaining. Bathrooms have been tastefully renovated w/modern finishes throughout. Hardwood & LVP flooring run through much of the home, w/laminate flooring in the bedrooms. Major updates provide peace of mind, including newer windows w/lifetime warranty, newer siding w/OSB and TYVEK, newer roof w/approximately 15 years of life remaining & new air conditioner. Move-in ready and conveniently located near shopping, dining, and top-rated schools, this home combines comfort, updates, and space in a highly desirable setting.

2613 Level Loop Road, Virginia Beach
$399,900
4 Beds ⋅ 2.1 Baths ⋅ 10639179 MLS
This beautifully renovated 4-bedroom, 2.5-bath ranch offers the perfect blend of modern updates and comfortable living in the heart of Virginia Beach. Inside, you'll find an updated kitchen, new flooring, and an expanded primary suite with the extra space you've been looking for. The spacious layout gives you plenty of room to spread out, whether you're hosting family and friends or simply enjoying everyday life. Outside, the backyard offers space to relax, play, garden, or make it your own. Conveniently located near Town Center, shopping, dining, military bases, beaches, and major highways, you'll love how easy it is to get wherever you need to go. With a fresh new price, this move-in-ready home is one you won't want to miss. Schedule your showing today!

412 Lineberry Rd, Virginia Beach
$619,900
3 Beds ⋅ 2 Baths ⋅ 10638988 MLS
This well cared for home in established Thoroughgood on a quiet street is ready for it's new owner! Close to Chic’s Beach, Town Center, and all bases. Inside feels spacious with natural light due to large windows, real hardwoods, and a large spacious sunroom overlooking the private backyard. Terrific functioning kitchen that opens to a flexible dining/hangout space, so everyone stays connected. A wonderful fireplace sets the tone for cozy evenings. The outdoors is perfect for everyday living and easy weekends: a fenced yard, deck, patio. Ample side parking fits a small boat, RV's and cars. A beautifully sprawling ranch for easy living & simple flow.

4536 Biscayne Drive, Virginia Beach
$590,000
3 Beds ⋅ 2 Baths ⋅ 10639112 MLS
Welcome to this stunning Lake Smith Terrace gem! Nestled in one of North Virginia Beach's most sought-after, quiet neighborhoods, this beautiful 3-bedroom, 2-bathroom home features an oversized kitchen with a bright bay window and a spacious 2-car garage. Enjoy generous living space, a spacious treed lot, and easy access to major highways, top-rated local schools, and Lake Smith

1337 Five Forks Road, Virginia Beach
$729,800
4 Beds ⋅ 3.1 Baths ⋅ 10639124 MLS
Welcome to 1017 Dam Neck Road, a beautifully crafted new construction home offering 4 spacious bedrooms, 3 full baths, and 1 half bath across 2,550 square feet. Designed with modern living in mind, the open-concept main level features a formal dining room, spacious kitchen with pantry, mud room, and an inviting living area perfect for entertaining. Upstairs, the expansive owner’s suite includes a large walk-in closet and private bath, while three additional bedrooms, two full bathrooms, and a generous laundry room provide plenty of space for family and guests. Situated on a large lot with a circular driveway for easy access and added curb appeal, this home is conveniently located just minutes from the Virginia Beach oceanfront, shopping, dining, and major military bases. A perfect blend of comfort, style, and location awaits. Trusted lender Steve Hawley (NMLS #1813927) from Southern Trust mortgage (NMLS #2921) will provide a 1% lender paid Buydown on this listing.

1017 Dam Neck Road, Virginia Beach
$374,999
3 Beds ⋅ 2 Baths ⋅ 10639122 MLS
Welcome to this beautifully updated 3-bed, 2-bath home boasting soaring vaulted ceilings and abundant natural light! Designed for easy living, the smart layout features 2 bedrooms and 1 full bath on the main floor, while the upstairs offers a private 3rd bedroom and a second full bath. The bright kitchen comes equipped with stainless steel appliances, crisp white cabinetry, and a dining area that flows perfectly for entertaining. Step through the sliding glass doors to your private, fully fenced backyard, complete with a storage shed and a patio space great for cookouts. Enjoy peace of mind with a newer HVAC system (2022/2023). Additional highlights include an attached garage, gorgeous wood-look flooring, and a dedicated laundry room. Located just steps away from a lovely neighborhood park and pavilion. Move-in ready and packed with charm—schedule your showing today!

5440 Chatham Hall Drive, Virginia Beach
$405,000
3 Beds ⋅ 2 Baths ⋅ 10638897 MLS
Beautifully updated ranch situated on a spacious corner lot in the heart of Virginia Beach! This move-in ready home features an open-concept layout with vaulted ceilings, abundant natural light, and stylish finishes throughout. The renovated kitchen boasts white shaker cabinetry, granite countertops, stainless steel appliances, recessed lighting, and a generous breakfast bar overlooking the living area. The family room offers a cozy wood-burning fireplace and seamless flow into the dining space, making entertaining effortless. Retreat to the spacious primary suite with an updated vanity area and ample closet space. Exit outside to enjoy the expansive fenced backyard complete with a covered pergola deck, oversized concrete patio, storage shed, and plenty of room for outdoor gatherings, gardening, or play. Additional highlights include an attached garage, oversized driveway, updated flooring, and fresh neutral paint. Conveniently located near Town Center, shopping, dining, military bases, interstate access, and top Virginia Beach amenities. Welcome home!

3717 Windridge Road, Virginia Beach
$419,000
3 Beds ⋅ 2.1 Baths ⋅ 10638972 MLS
This beautifully maintained home is centrally located in the heart of Kempsville Virginia Beach and comes with NO HOA fees. Featuring 3 spacious bedrooms and 2.5 bathrooms, this property offers gorgeous cherrywood flooring, newer stainless steel appliances(2023), granite countertops, and an attached garage. The beautifully landscaped backyard creates the perfect setting for relaxing or entertaining guests. Enjoy the nearby neighborhood family park along with convenient access to shopping, dining, and major highways. Recent updates include a new HVAC system (2025), hot water heater (2021), and newer roof (2017), providing added peace of mind for years to come. Welcome Home!!

5449 Whitehurst Arch, Virginia Beach
$499,900
4 Beds ⋅ 2.1 Baths ⋅ 10638613 MLS
Conveniently located near the Va Beach Amphitheater, Dam Neck, NAS Oceana, shopping, dining, parks, and major roadways, this two-story home offers a functional layout and a desirable corner-lot setting. Featuring four bedrooms and 2.5 baths, the traditional floor plan provides comfortable, well-defined living spaces. Fresh interior paint and double-hung vinyl replacement windows create a bright and welcoming atmosphere throughout. The kitchen is thoughtfully positioned near the dining and living areas, making everyday living and entertaining a breeze. Solar panels are installed to help offset energy costs, with the remaining balance negotiable. A water softening system conveys. The brick-front exterior adds classic curb appeal, while the yard provides space for gardening, outdoor enjoyment, or simply unwinding. Move-in ready and conveniently located, this home offers easy access to many of Virginia Beach's popular destinations and amenities

1857 Bloomfield Drive, Virginia Beach
$599,900
4 Beds ⋅ 2.1 Baths ⋅ 10638832 MLS
Welcome home to this beautifully maintained residence in Woodbridge Pointe Estates! Filled with natural light, this move-in-ready home features updated luxury flooring, a new gas stove, and a 240V fast charger for electric vehicles. Major updates in 2018 include the HVAC system, water heater, windows, and fully paid-off solar panels - keeping electric bills at $10 or less per month. Relax on the deck and enjoy peaceful waterfront views, all while benefiting from exceptionally low HOA fees. Conveniently located near military bases, shopping, and dining options, this home offers comfort, savings, and convenience in one inviting package.

1824 Heald Way, Virginia Beach
$1,445,000
5 Beds ⋅ 3 Baths ⋅ 10638774 MLS
Perfect sized vacation getaway retreat. Great beach views & private inground pool. Mere feet from the beach. Popular proven vacation rental property. Nearly $80k already on the books for 2026. $95k+ income in 2025! New roof installed in 2025. New 2 zone HVAC replaced in 2026. Spacious front deck replaced in 2026, even more spacious rear deck replaced in 2023. New outdoor shower & updated baths in 2026. Ideal setup for 2 households with 2 bedrooms & 1 full bath on each side of the main floor. Private first floor suite downstairs offers semi-private entrance adjacent to pool & new outdoor shower. Bonus, non-heated 300+/- sq ft (not included in listing) 1st floor bonus room would make an easy bedroom or pool cabana conversion. Large lot is a great candidate for expansion or teardown/rebuild scenario. Heat pump water heater saves big on energy. High cathedral ceilings add a dramatic elegance not commonly found with other homes this age. Much new furniture, including but not limited to multiple bedroom sets, and a very generous amount of new polywood deck furniture. Sold fully furnished. Buyer to honor all existing short term rentals.

3537 Sandfiddler Road, Virginia Beach
$464,900
3 Beds ⋅ 2.1 Baths ⋅ 10638743 MLS
$5000 Decorator Allowance on FPC. Former Model Home on a cul-de-sac corner lot. New HVAC (2025) and kitchen appliance package (2025) Recent roof (2020). All appliances convey including washer and dryer (as-is), just show up with clothes and furniture. Beautiful great room with a glass atrium wall, gas fireplace and soaring cathedral ceiling, full open concept design. And a very cool "reconverted" garage; behind the new insulated garage door is the ideal heated and cooled She Shed/Man Cave. Lots of potential uses.....a party/media/play room, how about car & a workshop? Upstairs you'll find 3 bedrooms, all of which have ample closet space and the primary bedroom has 2 closets and a large en suite with a very nice jetted tub. There is even a small office alcove with a built-in desk and bookshelves. The neighborhood includes a clubhouse, pool and playgrounds. All schools nearby as is shopping.....plus 2 golf courses minutes away. Glenwood is great for living your best life....

1000 Ormond Court, Virginia Beach
$372,500
3 Beds ⋅ 1.1 Baths ⋅ 10638748 MLS
Completely updated and move-in-ready! This charming 3 bedroom home features luxury vinyl plank flooring throughout the first floor and brand new carpet upstairs. The beautifully updated kitchen offers stainless steel appliances, quartz countertops, and ample cabinet space. Recent improvements include a newer water heater for added peace of mind. Freshly painted throughout including ceilings with new light fixtures and ceiling fans. Situated on a corner lot, the fully fenced yard provides plenty of space for entertaining and pets. The detached shed with a separate workshop has electricity and offers excellent storage. Don't miss this opportunity to own a beautifully updated home in a convenient location close to shopping, restaurants and bases.

4901 Westgrove Road, Virginia Beach

Some listings may be duplicated in the search results due to the co-mingling of listings from more than one multiple listing service. Should there be different listing information between the duplicated listings; user is advised to verify the accuracy of the listing information before making any financial decisions.