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$290,000
3 Beds ⋅ 1.1 Baths ⋅ 10643466 MLS
Welcome home to this beautifully updated ranch in the heart of Norfolk! This move-in ready home offers comfortable one-level living with fresh interior paint, brand-new countertops and kitchen sink (2026), new insulation (2026), and a new HVAC system (2023), giving buyers peace of mind for years to come. The functional floor plan features bright, inviting living spaces. The refreshed kitchen is ready for everyday living and entertaining with stainless steel appliance and newer cabinets. Newer windows. Outside, enjoy a spacious backyard with plenty of room for pets, play, gardening, or relaxing. Conveniently located near military bases, shopping, dining, schools, and major interstates. Call for your private tour today!

7416 Davidson Street, East Norfolk
$350,000
2 Beds ⋅ 2 Baths ⋅ 10643256 MLS
Experience effortless waterfront living in this well maintained 2-bedroom, 2-bath residence in Norfolk's coveted Historic Freemason District. Thoughtfully updated kitchen and baths blend timeless style with modern convenience, while the foyer opens to living and dining areas anchored by a cozy wood-burning fireplace. The true showstopper is the expansive private balcony—an outdoor living room you'll enjoy for at least eight months of the year, perfect for morning coffee, evening cocktails, or entertaining friends. The generous primary suite features a walk-in closet, with additional storage and assigned garage parking adding everyday convenience. Located in a full-service building with a marina offering boat slips (subject to availability), you'll love being just moments from the Elizabeth River Trail, restaurants, festivals, arts, and all the energy of downtown Norfolk. Relaxed, refined, and ready to enjoy.

255 College Cross Unit 53, West Norfolk
$650,000
4 Beds ⋅ 3 Baths ⋅ 10643415 MLS
Just one block from the bay and a short stroll to the beach, this Norfolk gem offers the best of relaxed coastal living. Inside, enjoy brand-new flooring and a beautifully updated kitchen designed for effortless entertaining. Step out onto the spacious front deck and take in peaceful bay views—perfect for morning coffee, evening gatherings, or watching the sun set over the water. This home blends location, comfort, and lifestyle in one unforgettable package. VA assumable loan. Current balance is $339,254 with an interest rate of 2.25% with 25 years left on the loan.

9517 11th Bay Street, North Norfolk
$729,000
4 Beds ⋅ 4 Baths ⋅ 10643391 MLS
PRICED BELOW APPRAISED VALUE!!! Bright, open, and inviting coastal retreat just 200 ft from the Chesapeake Bay with convenient access path. Completely remodeled in 2021 with upgrades including new roof, siding, heat pump, windows, optimal for entertaining. Features 3 spacious bedrooms plus a stunning 3rd-floor loft ensuite as the 4th bedroom. First floor full bath. Enjoy beautiful bay views from the 2nd and 3rd floors. Trex decks on both the 1st and 2nd levels offer the best of indoor and outdoor living. Extremely large lot extends beyond privacy fence and is buildable. Previously used as a successful short-term rental and eligible buyer to verify with the City of Norfolk. Offered fully furnished for a true turnkey opportunity furniture and contents negotiable. Stellar buyer incentives available with use of seller’s preferred lender please inquire for details. Some photos are virtually staged.

1270 W Ocean View Avenue, North Norfolk
$245,000
2 Beds ⋅ 1 Baths ⋅ 10643207 MLS
Discover the perfect blend of historic charm and modern convenience in this beautifully maintained 2-bedroom, 1-bath condo in the heart of Ghent. Located in a classic historic building just minutes from CHKD and Sentara Norfolk General Hospital, this home is ideal for medical professionals seeking a short, stress-free commute. The bright interior features hardwood floors, original trim work, and a thoughtfully updated kitchen. Spacious bedrooms offer flexibility for work-from-home or guest space. Enjoy your private rear balcony, perfect for cookouts relaxing after a long day. Additional highlights include in-unit washer and dryer, one reserved parking space, and a secure building. The condo fee includes water, sewer, trash, grounds maintenance, and master insurance. Six-month rentals are allowed, making this a great primary residence or investment opportunity. Just blocks from the NARO Theater, parks, shops, and dining.

1015 Colonial Avenue Unit 4, West Norfolk
$474,900
4 Beds ⋅ 2 Baths ⋅ 10643155 MLS
Welcome home to 104 W Arden Circle! With a blend of tasteful updates and classic charm, this one is sure to make you feel right at home. Offering 4 bedrooms plus a bonus space, there's an opportunity for a playroom, office, reading nook, or extra living space. The primary bathroom is sure to impress, with a large double vanity, huge shower and separate soaking tub. The huge yard backs up to the river, so you can drop a kayak in and experience all the Lafayette has to offer. Large shed for storage. Truly a property you have to visit to experience the cozy vibe and abundant outdoor space!

104 W Arden Circle, West Norfolk
$205,000
2 Beds ⋅ 2 Baths ⋅ 10643122 MLS
Welcome home to easy coastal living! Conveniently located just 7 to 13 minutes from Naval Station Norfolk, 11 to 15 minutes from Norfolk International Airport, and less than 5 minutes from Ocean View Beach, this beautifully maintained condo offers the perfect blend of comfort and convenience.Inside, you’ll find recent kitchen upgrades, thoughtful improvements throughout, a private balcony, and a bright, inviting layout that’s perfect for everyday living. Major updates include a newer water heater and a roof that’s less than five years old, giving peace of mind for years to come.Whether you’re a first-time buyer, looking to downsize, or searching for the perfect addition to your investment portfolio, this home checks all the boxes. Enjoy two assigned parking spaces plus ample additional parking for guests.Cute, convenient, and move-in ready. This one is truly a gem. Schedule your tour today!

8530 Tidewater Drive Drive Unit 204, North Norfolk
$355,000
4 Beds ⋅ 2.1 Baths ⋅ 10643088 MLS
Beautifully renovated cape cod on a corner lot. New roof, siding, flooring, windows, doors, appliances and fixtures. The kitchen features new countertops, stainless-steel appliances, white cabinets and tile backsplash. Updated bathrooms with new vanities and sleek tile. First floor primary suite with bathroom and walk-in closet. Schedule your showing today!

3514 Somme Avenue, East Norfolk
$435,000
4 Beds ⋅ 2.1 Baths ⋅ 10643042 MLS
Enjoy the benefits of solar energy WITHOUT THE MONTHLY PAYMENT!!! A prepaid Palmetto Energy Plan solar system provides the benefits of solar energy with NO REMAINING PAYMENTS, while Palmetto continues to provide covered monitoring, maintenance, and repair services, allowing you to enjoy the benefits of solar without the responsibility of maintaining the system. This beautifully updated 4-bedroom, 2.5-bath home offers over 2,000 square feet of comfortable living space with fresh interior paint and new flooring that give the home a clean, modern feel. The open-concept layout is great for both everyday living and entertaining, while the spacious kitchen flows seamlessly into the main living areas. The generous primary suite offers a private bath and plenty of closet space. Conveniently located within easy driving distance of military bases, shopping, dining, Norfolk International Airport, and major interstates, this move-in-ready home offers the perfect blend of comfort, convenience, and value.

1072 Kennedy Street, East Norfolk
$330,000
4 Beds ⋅ 2.1 Baths ⋅ 10643028 MLS
Pull into the drive and discover the charm of this Cape Cod-style home, conveniently located near a military installation, major highways, shopping, dining, and everyday amenities. Inside, wood floors flow through the main living areas. The kitchen offers ample counter space, abundant storage, and a window overlooking the backyard. Just off the kitchen, the dining room provides a welcoming space for everyday meals and entertaining. The first floor also features two spacious bedrooms and an updated full bath. Upstairs, the primary suite includes a cozy window nook and private ensuite bath. A laundry area, half bath, and expansive fourth bedroom offer flexibility for a variety of needs.Outside, enjoy a spacious backyard and detached garage with additional storage or workspace. This well-maintained home is ready for its next owner. Schedule your private showing today.

524 Meads Road, West Norfolk
$350,000
2 Beds ⋅ 2 Baths ⋅ 10643021 MLS
Beautiful 2 bedroom 2 bath condo on 1st floor. Wood floors throughout. Floor to ceiling windows and door leading to large deck overlooking the river. Watch the sunrise in the mornings and during the day view the egrets and kayakers. Clubhouse for holiday celebrations and Friday night "get togethers." Plus gym to stay in shape. parking spots #22 and #55.

955 Bolling Ave Avenue Unit 106, West Norfolk
$450,000
3 Beds ⋅ 2.1 Baths ⋅ 10642209 MLS
Assumable VA loan at 4.875. Your commute just got shorter. Updated, charming and move-in ready! This beautifully renovated Cape Cod features a first-floor primary suite, oversized laundry room, walk-in pantry, detached two-car garage, new privacy fence and a backyard you'll love with an in-ground pool and plenty of room to spread out. Located less than five miles from Naval Station Norfolk, you'll enjoy an easy commute without fighting the I-64 construction. Thoughtful updates, timeless character and a location that simply makes life easier.

415 Suburban Parkway, West Norfolk
$659,900
5 Beds ⋅ 3 Baths ⋅ 10642929 MLS
New Construction Detached No Fee Condo. Home is Complete - waiting on CO. Golf Cart Community. This 5 Bed 3 Bath Home offers a blend of sophisticated design, thoughtful details & prime location. (Only One Block from the Chesapeake Bay, Near Many Restaurants & Minutes to Navy Base Norfolk / Little Creek). Open concept layout allows for easy entertaining & comfortable everyday Beach Living. The Kitchen boasting Stainless Steel Appliances (Gas Stove, Microwave, Dishwasher) plus a spacious island all w/Quartz Countertops which overlooks the Family room w/ a Gas Fireplace. Don't miss the Walk in pantry. Large Primary suite w/ sitting area. Two Separate Vanities & a Beautifully Tiled Shower w/ a Custom Glass Enclose & Lg Walk in Closet. One Bedroom on 1st Flr Living, Primary & Two Additional Bedrooms & Laundry Room on the 2nd Flr & a HUGE Fifth Bedroom on the 3rd Flr. Two Separate Front Decks, Two Car Garage w/ Opener & Plenty of additional Storage under the home for your Beach Toys. Plus Generator Plug. Pictures are of Same Model - Similar Finishes.

9611 A 14th Bay Street, North Norfolk
$590,000
3 Beds ⋅ 2.1 Baths ⋅ 10642841 MLS
Welcome to 4108 Pleasant Avenue, in the charming Tern community! This home delivers an elevated coastal lifestyle just one block from the beach. Located in golf-cart-friendly East Ocean View, this home showcases a nearly 800 sqft garage, wide-plank LVP and wood flooring throughout, and upscale finishes including soft-close cabinetry and granite surfaces in the kitchen and baths. The designer kitchen is both functional and striking, featuring an oversized island, walk-in pantry, and a full suite of ss appliances. The open-concept living space is anchored by a sleek LED fireplace and seamlessly extends to a second-level deck, great for entertaining or unwinding in style. The primary suite is a true retreat, with an elegant tray ceiling, custom walk-in cedar closet, and a spa-inspired ensuite with a beautifully tiled walk-in shower and dual vanities. Just moments from the beach, local farmers markets, and premier dining, this home offers a polished blend of luxury, comfort, and charm.

4108 Pleasant Avenue, North Norfolk
$370,000
3 Beds ⋅ 2 Baths ⋅ 10642287 MLS
Classic Larchmont charm meets thoughtful updates in this inviting 3-bedroom, 2-bath home. Beautiful hardwood floors, abundant storage, and timeless character create a warm, welcoming feel throughout. The refreshed kitchen features new granite countertops, stainless steel appliances, and plenty of space for everyday living. Added bonus: a tankless water heater! Both bathrooms have been updated with modern backlit mirrors, new shower heads, and fresh paint for a clean, contemporary finish. Outside, enjoy a fully privacy-fenced backyard with plenty of room to relax, entertain, or garden, plus a detached 1-car garage for added convenience. Ideally located just minutes from Old Dominion University and Ballard Stadium, Hermitage Museum and Gardens, naval bases, downtown Norfolk, major interstates, local boutiques, and popular dining, this home blends neighborhood charm with everyday accessibility.

1328 Melrose Parkway, West Norfolk
$650,000
5 Beds ⋅ 3.1 Baths ⋅ 10642722 MLS
Nestled in Norfolk’s sought-after Edgewater neighborhood, this beautifully updated 4-bedroom, 2.5-bath residence offers timeless charm, tasteful updates, and exceptional versatility. Boasting approximately 2,600 square feet of living space, the home is ideally located close to Old Dominion University and just minutes from the Norfolk Naval Station, Norfolk Yacht and Country Club, and Sewells Point Golf Course. Inside, you’ll find this property has substantial living space. A renovated eat-in kitchen features granite counter tops, stainless steel appliances, ample cabinetry, and seamless flow to the rear yard. Step outside to a professionally landscaped backyard oasis complete with a tranquil waterfall feature, gazebo, and fully fenced rear yard offering both privacy and serenity. Adding tremendous value and flexibility is the detached 1-bedroom, 1-bath guest house—ideal for extended family, guests, a private home office, or potential rental income opportunity.

5926 Powhatan Avenue, West Norfolk
$375,000
3 Beds ⋅ 2 Baths ⋅ 10642591 MLS
Welcome to 3226 Herbert Street, where timeless charm meets modern luxury in this beautifully fully renovated Norfolk home. Offering 3 bedrooms, 2 full baths, and approximately 1,600 square feet of thoughtfully updated living space, this stunning property blends classic character with today’s most desired finishes and functionality. Originally built in 1954, this home has been completely transformed to offer the best of both worlds—solid craftsmanship with stylish modern updates. From the moment you step inside, you’ll appreciate the bright, inviting spaces, abundant natural light, and seamless flow designed for comfortable everyday living and effortless entertaining. The thoughtfully designed layout offers spacious living areas and well-appointed bedrooms, creating flexibility for relaxing, hosting, or working from home. Every detail has been carefully considered, delivering a move-in-ready experience that feels fresh, elevated, and welcoming. Step outside and discover one of the home’s standout features—an expansive new backyard deck, perfect for morning coffee, weekend grilling, entertaining friends, or unwinding after a long day. The outdoor space creates a natural extension of the home, offering the ideal setting to enjoy Norfolk’s coastal lifestyle. Adding even more versatility, the detached garage provides valuable storage, workshop potential, parking, or space for hobbies and projects—an increasingly rare feature buyers love. Whether you’re looking for modern comfort, stylish updates, or outdoor living space, this home delivers. Conveniently located near Norfolk’s beaches, military bases, dining, shopping, and entertainment, you’ll enjoy easy access to everything coastal Hampton Roads has to offer. This is more than just a renovation—it’s a beautifully reimagined home ready for its next chapter. Don’t miss your opportunity to make it yours.

3226 Herbert Street, East Norfolk
$299,000
2 Beds ⋅ 2 Baths ⋅ 10642656 MLS
Welcome to Coastal Villas! This beautifully updated top-floor 2 bedroom, 2 bath condo offers the perfect blend of beach living and convenience, just 1/4 mile from the beach and minutes from Navy Base Gate 1 (JEB Little Creek-Fort Story). The bright open floor plan features driftwood-style luxury laminate flooring, custom soft-close cabinetry, stainless steel appliances, HVAC system less than 5 years old, and coastal-inspired finishes throughout. Enjoy the rare bonus of 2 covered parking spaces plus large private storage closet, bike racks and a pet-friendly community. Resort-style amenities include a rooftop deck, cabanas with TV and stereo system, a landscaped courtyard with grills, and a fire pit for entertaining. Move-in ready and just in time to enjoy the beach lifestyle!

7922 Shore Drive Unit 300, North Norfolk
$429,900
4 Beds ⋅ 2.1 Baths ⋅ 10642302 MLS
Welcome to this move-in ready gem in Norfolk's desirable Willard Park! Beautifully expanded and completely rebuilt in 2015 with all-new walls, electrical, plumbing, roof, HVAC, and more, this home offers modern comfort and lasting value. The bright, open-concept floor plan is perfect for everyday living and entertaining. The chef-inspired kitchen features granite countertops, stainless steel appliances, custom soft-close cabinetry, and ample prep space. Retreat to the primary suite, which features a spacious ensuite bath and generous closet space. Enjoy outdoor living in the oversized, fully fenced backyard—ideal for entertaining, pets, play, or gardening. Conveniently located near downtown Norfolk, military bases, shopping, dining, interstates, and area beaches, this turnkey home is ready for its next owner.

3518 Bapaume Avenue, East Norfolk
$470,000
3 Beds ⋅ 2.1 Baths ⋅ 10642412 MLS
Your Private Coastal Retreat Awaits! Just three blocks from Chesapeake Bay access, this beautifully maintained 3-bedroom, 2.5-bath home offers the perfect blend of coastal convenience and everyday comfort. Inside, you'll find spacious living areas, a desirable primary suite with en suite bath, and a walk-in attic providing excellent storage and future potential. Step outside and experience the true highlight of this home—a private backyard oasis designed for relaxing and entertaining. Enjoy a large screened sun porch with electricity, an expansive deck surrounding the above-ground pool, and a peaceful tree-lined pathway that creates your private outdoor retreat. The detached workshop is wired with electricity and conveys as-is, making it a great place for hobbies, projects, or additional storage. Additional features include a welcoming covered front porch, an attached one-car garage, and a four-car driveway providing ample parking. Whether you're spending the afternoon at the Bay or unwinding in your own backyard retreat, this home offers the perfect balance of comfort, privacy, and coastal living.

1626 Kingston Avenue, North Norfolk
$639,900
4 Beds ⋅ 2.1 Baths ⋅ 10642100 MLS
Welcome to this beautiful beach-style home in East Ocean View, just blocks from the Chesapeake Bay and sandy beaches. Designed with coastal charm and modern convenience, this home features durable hard-surface flooring throughout and an open-concept layout superb for entertaining. The bright white kitchen showcases Cambria quartz countertops, a stunning herringbone backsplash, stainless steel appliances, abundant storage, a massive island, and a built-in wine cooler. The spacious living area includes a custom stone fireplace and built-in surround sound. Additional upgrades include crown molding, shiplap accent walls, whole-home water filtration, and an irrigation system. Relax year-round on the heated back porch or enjoy the covered deck with both plexiglass and screen options. The fully fenced backyard! See today.

9515 14th Bay Street, North Norfolk
$310,000
3 Beds ⋅ 2.1 Baths ⋅ 10642050 MLS
Beautifully maintained townhouse featuring thoughtful upgrades throughout! The chef-inspired kitchen stainless-steel appliances, abundant cabinetry, and a counter-height breakfast bar—perfect for casual dining or entertaining guests.The flexible lower level provides an ideal space for a home office or study. Upstairs, you’ll find three generously sized bedrooms, including a spacious primary suite complete with a private en-suite bath and a large walk-Step outside to a fully enclosed backyard that leads directly to an oversized two-car garage, offering both privacy and practicality.Ideally located near shopping, dining, entertainment, and major highway access—this home combines comfort, convenience, and modern living in one desirable package.

752 Washington Avenue, East Norfolk
$525,000
2 Beds ⋅ 2.1 Baths ⋅ 10641902 MLS
This beautifully maintained carriage home offers an open floor plan designed for easy everyday living and entertaining. The well-appointed interior features granite countertops, stainless steel appliances, hardwood floors, ceramic tile, and detailed trim work, while Pretty Lake and marina views provide the perfect backdrop. Life in East Beach is about more than the home itself. Enjoy the clubhouse, pool, fitness center, gardens, beach access, and golf cart-friendly streets, all just a short distance from local restaurants, bars, and the Chesapeake Bay. From monthly wine nights to the annual art show and evenings around the neighborhood fire pit, East Beach offers a true sense of community. It's easy to see why so many people move to East Beach for the home and stay for the lifestyle.

9409 27th Bay Street, North Norfolk
$699,000
4 Beds ⋅ 3.1 Baths ⋅ 10641491 MLS
Classic brick 4 bedroom / 3.5 bath home in Norfolk's popular Lafayette Shores neighborhood. Spacious rooms with lots of windows are bathed in bright natural light. First floor has formal living and dining rooms with a large eat-in kitchen that is open to a very large family room. Both rooms open onto a large raised patio that leads into the backyard. Upstairs has the primary suite along with 2 guest bedrooms and a shared bathroom. The 4th bedroom with a private bathroom is above the attached 2-car garage. Shown by appointment with 24-hour notice.

1539 Bordeaux Place, West Norfolk
$349,000
2 Beds ⋅ 2 Baths ⋅ 10641907 MLS
Experience urban living at its finest in Norfolk's iconic Rotunda. Originally converted to luxury condominiums in 2008, this historic landmark blends timeless architecture with a sophisticated industrial loft aesthetic featuring exposed ductwork, soaring ceilings, and expansive windows showcasing exceptional city views. This desirable Deluxe Model was the highest trim level offered by the developer and features 2 spacious bedrooms, 2 full baths, engineered wood flooring, granite countertops, stainless steel appliances, and a spacious kitchen with a large center island. The open-concept floor plan is ideal for both everyday living and entertaining. Enjoy secure building access, elevator service, one reserved parking space, and a condo fee that includes water, sewer, and trash service. Conveniently located in the heart of downtown Norfolk near Waterside, Chrysler Hall, Scope, dining, entertainment, festivals, and the Elizabeth River waterfront.

415 Saint Pauls Boulevard Unit 406, West Norfolk
$299,900
4 Beds ⋅ 3 Baths ⋅ 10641857 MLS
Open House 7/25/26 Saturday 10:30 am - 12:30 pm. Square footage per owner. This home is perfect for multi-families or if you are looking for an investment property this home is it! Perfect for military, close to all the hospitals, and downtown. Exterior has been freshly painted! New gas pack (central air and heat). Beautiful stain window in foyer conveys! Spacious living room plus a dining area that will accommodate large table and china cabinet. Downstairs kitchen has granite countertops & stainless steel appliances. Primary bedroom has huge walk in closet! Large 2nd floor laundry room could also be a kitchenette. Fenced in back yard w/deck!

432 W 26th Street, West Norfolk
$278,000
2 Beds ⋅ 2 Baths ⋅ 10641468 MLS
Convenient living in Freemason! Close to Granby and all of your favorite venues such as the Pagoda, Waterside Park, the Theater and Restaurants. Park your car in one of your two spaces: the garage or in the lot and just GO! Or take the elevator to your unit! A formal entry way welcomes you to a spacious great room which opens to the balcony. Two ensuite bedrooms, being located on either size offer privacy. You will enjoy the efficiently designed kitchen which connects by a bar to the great room. A large laundry room with lovely full sized W&D offer convenience. HVAC 2022 and Washer & Dryer 2025. Pets can be allowed within regulations. Also VA approved!

249 W Freemason Street Unit 206, West Norfolk
$645,000
5 Beds ⋅ 3.1 Baths ⋅ 10641895 MLS
Beautifully updated 5-bedroom home in Norfolk offering space, style, and an unbeatable location near ODU, military bases, and major highways for an easy commute. This stunning home features 3 full bathrooms, 1 half bath, and a flexible layout with primary bedroom options on both the downstairs and upstairs levels. Enjoy a large, modern kitchen, spacious living areas, and a balcony overlooking a quiet tree-lined street. With a two-car garage and thoughtful updates throughout, this move-in-ready home is designed with room for everyone. Call today for a private showing!

1443 Melrose Parkway, West Norfolk
$855,000
5 Beds ⋅ 4.1 Baths ⋅ 10641882 MLS
Experience luxury living in the heart of Norfolk's prestigious Historic Freemason District. This rarely available, stately corner townhome blends timeless architecture with modern convenience and best of all, "no HOA fees". Designed for both elegant entertaining and everyday comfort, the home features soaring 10-foot ceilings, an open, light-filled floor plan, rich oak hardwood floors, extensive crown molding, granite countertops, marble accents, and exceptional craftsmanship throughout. Rare amenities include a private hydraulic elevator, oversized 2-car attached garage, screened porch, and private balcony. The first level offers a spacious bedroom with a full bath, fireplace, and separate entrance, making it ideal for guests, a private office, or multigenerational living. Every level of this home has been thoughtfully designed to maximize space, functionality, and sophistication, creating an exceptional opportunity to own one of Freemason's most desirable residences.

251 W Freemason Street, West Norfolk
$276,777
3 Beds ⋅ 1.1 Baths ⋅ 10641785 MLS
Perfect starter home! This 3-bedrooms, 1.5 baths features an newer HVAC and Roof, wood floors, gorgeous granite counter tops, tons of cabinet space, formal dining area. Cozy family room and relaxing covered front porch. A 2-car detached garage, a basement that's perfect for storage. Sellers are easy to work with and are ready to move. Call today for your personal tour.

903 Oakwood Street, East Norfolk

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.