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$405,000
3 Beds 2.1 Baths 10653110 MLS
Welcome to this spacious home in the desirable Crescent Condos of Virginia Beach! Offering 3 bedrooms and 2.5 bathrooms, including a first floor primary bedroom, this home provides plenty of space and flexibility for comfortable everyday living. The versatile loft serves as the third bedroom. Enjoy an inviting layout with large living areas and room to relax & entertain. The beautifully maintained community features attractive landscaping & a pool for residents to enjoy. Other condo amenities include a clubhouse, water, sewer, & trash pick up. Located near shopping, restaurants, and Sandbridge Beach, this home offers the perfect combination of convenience & comfort. Don’t miss the opportunity to make this home your own!

1304 Tuscany Drive, Southeast Virginia Beach

$525,000
3 Beds 2 Baths 10652893 MLS
Close to the Chesapeake Bay and in the heart of Shore Drive beach life, you’ll find this move-in ready, top-floor corner condo with 1,872 square feet, three bedrooms and two baths. The open great room feels bright and spacious, with plenty of room to gather, entertain or simply spread out. The kitchen features granite countertops, stainless steel appliances, abundant cabinetry, a generous pantry, wine cooler and bar seating that keeps everyone connected. Two balconies extend the living space outdoors, one off the main living area and another accessed by all three bedrooms. The primary suite offers a private bath and walk-in closet, with plenty of additional closet and storage space throughout the condo. Two dedicated covered parking spaces, elevator access and a gated community make everyday living easy. Restaurants, shopping and everything Shore Drive has to offer are just minutes away. Move in, settle in and enjoy where you live.

2300 Page Harbor Landing Unit 304, Northeast Virginia Beach

$389,911
2 Beds 2 Baths 10652670 MLS
LIVE THE VIRGINIA BEACH COASTAL LIFESTYLE! Welcome to Harbour Point, a gated community tucked away near the water, Rudee Inlet and the Virginia Beach Oceanfront. This beautifully maintained 2bed/2bath condo offers approximately 1,200 sqft of comfortable, single-level living with an inviting fireplace and plenty of space to relax, entertain and feel at home. One of the best locations within the community, enjoy convenient parking just outside your building & the community pool steps from your door. Spend your mornings near the beach, afternoons relaxing poolside & evenings exploring restaurants, entertainment and coastal charm. Whether you're searching for your primary home or your own Virginia Beach retreat, Harbour Point offers the perfect combination of coastal convenience, community amenities and an easygoing lifestyle.

409 Harbour Point Unit 204, Northeast Virginia Beach

$1,049,000
3 Beds 2 Baths 10652026 MLS
Experience the best of coastal luxury living with breathtaking direct Chesapeake Bay views and effortless access to the beach, pool, fitness center, & clubhouse. This elevator accessible 4th floor residence offers easy 1 level living & spectacular water views from the newly renovated eat-in kitchen with stainless steel appliances, beautifully updated primary & hall baths, and other thoughtful upgrades including hurricane shutters. Spacious storage room & tandem 2 car garage provide exceptional convenience. Set within a beautifully maintained gated community with premium amenities, ample guest parking, strong reserves, and reasonable condo fee, this is a rare opportunity to own in 1 of only 2 buildings in the community with direct bay front exposure. Enjoy stunning sunrises, cooling afternoon shade, coastal breezes, and the effortless lifestyle you've been waiting for. Schedule your visit today!

2317 Mariners Mark Way Unit 401, Northeast Virginia Beach

$750,000
2 Beds 2 Baths 10652545 MLS
Welcome to coastal living at Lynnhaven Dunes! This beautifully updated 2 bed, 2 bath condo is tucked inside a gated, private Chesapeake Bay community, offering the perfect blend of comfort, style, and waterfront living. The open kitchen and living area create a spacious, inviting setting for relaxing or entertaining, while updated bathrooms add a fresh, modern touch. Custom storage throughout provides exceptional organization and functionality. Enjoy the beauty and tranquility of the Bay right outside your door, with the privacy and amenities of a gated community. Whether you’re looking for a full-time home, vacation retreat, or investment opportunity, this Bayfront condo offers a wonderful opportunity to enjoy the Chesapeake Bay lifestyle in a private, sought-after Virginia Beach community.

3236 Page Avenue Unit 101, Northeast Virginia Beach

$520,000
3 Beds 2 Baths 10651434 MLS
Live where the beach, pool and Shore Drive restaurants are close enough to become part of everyday life. Within gated Lynnhaven Beach, this updated 3-bedroom condo combines single-level living with an open floor plan that keeps the kitchen, dining and living spaces connected. Beautiful finishes give the kitchen, fireplace-anchored living room and renovated baths a polished, elevated and cohesive design. A private balcony adds room to step outside, while a new 2026 Trane HVAC system and recent interior paint add to the move-in-ready appeal. Beyond the condo, direct beach access opens to the Chesapeake Bay, where the bayfront pool, cabana, outdoor kitchen and composite-deck gathering areas invite more time near the water. Condo fees help simplify ownership by covering ground maintenance, water, sewer, trash and more. This is gated Shore Drive living at its easiest, with the beach and Bay at the heart of the community.

2301 Beach Haven Drive Unit 201, Northeast Virginia Beach

$725,000
4 Beds 3 Baths 10651366 MLS
Experience coastal living at its finest in this beautifully maintained two-story, 4-bedroom, 3-bath condominium nestled within a gated Chesapeake Bay community in Virginia Beach. Enjoy breathtaking bay views from the great room, kitchen, office, and private balcony, creating the perfect backdrop for everyday living and entertaining. The open-concept floor plan is designed to maximize natural light and water views, featuring luxury vinyl plank flooring throughout the main living areas, a soaring vaulted ceiling, and a cozy gas fireplace that serves as the focal point of the great room. The spacious kitchen flows seamlessly into the living and dining areas, making gatherings effortless. Enjoy the private balcony overlooking the bay, where spectacular sunrises and refreshing coastal breezes await. Relax at the community pool or the beach and start enjoying the beach lifestyle with your flip flops and beach towel.

3232 Silver Sands Circle Unit 300, Northeast Virginia Beach

$375,000
2 Beds 2 Baths 10651651 MLS
Live the Beach & Waterfront lifestyle you have always dreamt of! This Bright & airy, 2 bed-2 bath turnkey condo on 1 living level, boasts private beach access, tasteful finishes & 2 balconies (one extended) with access from both Bedrooms & Living Room! Meticulously kept, enjoy wood flooring in Living Areas, Tile flooring in Kitchen & updated Bathrooms, & brand new carpet in Bedrooms! Updates less than 5yo include: HVAC, SS Appliances, Hot water heater, Disposal, Ventless W/D combo, lighting fixtures & more! Choose that Care & Maintenance free living in this Gated community & condo fees include Security, Elevator, Gym, Pool, Party room, Game room, Rooftop Deck & water, sewer, trash, cable, master insurance! 2 Entry doors to unit for privacy option, Pet-friendly, 1 Parking space & storage area! Short stroll/bike to many great option for shopping, restaurants & entertainment!

3558 Shore Drive Unit 109, Northwest Virginia Beach

$499,999
2 Beds 2 Baths 10650924 MLS
Experience waterfront living on Rudee Inlet from this move in ready, furnished condo that showcases boat traffic, aircraft activity, sunrises and sunsets right from your home! This condo features an upgraded HVAC system, designer furnishings from Company C and Braxton Culler, custom cabinetry, granite countertops and custom tiled baths. Designed and remodeled with an open flow concept, the modern kitchen and spacious living area creates an ideal environment for both relaxing and entertaining. The community boardwalk features 2 fish cleaning stations, a covered gazebo and a floating dock to launch your kayak. Be sure to enjoy grilling at the community grill or relaxing by the community pool. Harbour Point is located in a gated community located near the oceanfront, retail shops and numerous restaurants.

417 Harbour Point Unit 202, Northeast Virginia Beach

$1,575,000
3 Beds 2.1 Baths 10650191 MLS
Experience breathtaking bay-to-ocean views from this highly sought-after corner penthouse in the gated community of Mariners Mark. Overlooking Cape Henry's sandy shoreline, this renovated and refined residence offers stunning water views from nearly every vantage point. This spacious open floor plan features crown molding, premium appliances, custom cabinetry with quartz countertops, and distinctive built-ins. Designed across two living levels, the home offers first-floor bedrooms and a grand owner/s suite on second level with generous custom closets and spectacular water views. Enjoy a private two-car garage, oversized private storage room, and resort-style bayfront clubhouse with sparkling pool, fitness studio, and expansive sundeck ideal for entertaining. Do not miss this rare opportunity to experience sophisticated coastal living in one of Virginia Beach's premier waterfront communities. Call the listing agent today!

2316 Mariners Mark Way Unit 403, Northeast Virginia Beach

$950,000
3 Beds 3.1 Baths 10649932 MLS
A rare opportunity to own a Penthouse in the Oceans Condominium building, facing the beautiful Cavalier property. 1997 square feet, with 3 bedrooms and 3 ½ bathrooms, wth panoramic views throughout every room. The bonus office/sitting room could be converted into a 4th bedroom. Updated baths, new flooring, as well as fresh paint, and the popcorn ceiling has been removed. Condo amenities include water, sewer, trash removal, two swimming pools, beautiful private beachfront access, cable TV, wifi, building security, a brand-new fitness center, tennis and pickleball courts, reading, card and game room. This building has been meticulously updated throughout with newly decorated hallways and newly updated access to the pool and ocean. This is a non-smoking building with some pet restrictions; animals need documentation as ESA or service animals. No short-term rentals allowed; six-month or annual rentals are allowed, however not back-to-back 6-month periods.

4004 Atlantic Avenue Unit PH4, Northeast Virginia Beach

$230,000
2 Beds 2.1 Baths 10647530 MLS
** MOVE-IN READY ** This 2-bedroom, 2.5-bath condo features 2 (TWO) PRIMARY SUITES, making it an ideal layout for a variety of living arrangements. Beautiful LVP flooring adds durability and a clean, updated look throughout the main living areas. The bright and inviting interior offers abundant natural light, with a comfortable living area designed for everyday living and entertaining. Both primary suites provide private retreats, while the 2.5 baths offer added convenience for residents and guests. Recent HVAC SYSTEM and WATER HEATER upgrades provide valuable peace of mind. Enjoy your own private outdoor space, great for relaxing, morning coffee, or entertaining. An assigned parking space is included, with additional guest parking available. Conveniently located near shopping, dining, entertainment, parks, and major commuter routes. This Homes offers comfort, flexibility, and low-maintenance living!

3861 Lasalle Drive Unit 105, South Central 2 Virginia Beach

$319,900
10650016 MLS
Own the perfect coastal escape in the gated community of Surfside at Sandbridge. This tranquil lot features a trailer & private dock for your boat or jet ski. Located 1 block to the Atlantic, you have the best of two worlds: ocean sunrises & bay sunsets. Direct access to the open water of the Back Bay for kayaking, paddleboarding & boating from your private dock. Owners & their guests full access to resort-style amenities including boat ramp, 2 pools, tennis/pickleball, volleyball courts, clubhouse/gym. Land is being sold for $319,900. Trailer transfers for $10 w/DMV title. Reasonable quarterly HOA fees of $1,030. Great opportunity for seasonal rentals, or your R&R time "away from it all". Year-round living is not permitted. Financing maybe available. Great investment property for seasonal rentals.

3665 Sandpiper Road Road Unit 96, Southeast Virginia Beach

$950,000
3 Beds 2 Baths 10649689 MLS
BEAUTIFULLY MAINTAINED WATERFRONT CONDO OFFERING SINGLE-LEVEL LIVING AND EXPANSIVE BEACH & BAY VIEWS FROM MULTIPLE VANTAGE POINTS. THIS SECOND FLOOR CORNER UNIT FEATURES A BRIGHT OPEN FLOOR PLAN THAT FLOWS SEAMLESSLY FROM THE INVITING LIVING ROOM TO THE FORMAL DINING ROOM & EAT-IN CHEF'S KITCHEN FOR EASY ENTERTAINING. SPACIOUS ENSUITE PRIMARY BEDROOM WITH SITTING AREA, WALK-IN CLOSET AND LUXURIOUS BATH. SEPARATE LAUNDRY ROOM WITH UTILITY SINK & CABINETS AS WELL AS A LARGE STORAGE/MECHANICAL ROOM WITHIN THE UNIT. COVERED BALCONY TO ENJOY QUIET MORNINGS OR RELAXING SUNSETS OVER THE CHESAPEAKE BAY. UPDATES INCLUDE HVAC- (GAS HEAT 2023) & (AC 2024) ALL APPLIANCES WITHIN THE LAST 5 YEARS INCLUDING WASHER & DRYER. TWO ASSIGNED PARKING SPACES IN THE GATED GARAGE. CONDO AMENITIES INCLUDE, ELEVATOR, POOL, FITNESS ROOM, PARTY ROOM, PRIVATE BEACH BOARDWALK & SEPARATE ASSIGNED STORAGE CLOSETS. WHETHER A PRIMARY OR SECOND HOME, THIS IS TRULY COASTAL LIVING AT ITS FINEST!! WELCOME HOME!

3800 Dupont Circle Unit 206, Northwest Virginia Beach

$625,000
3 Beds 2 Baths 10649391 MLS
Welcome to coastal luxury in this completely renovated first floor 3 bedroom, 2 bath high end condo, nestled in the highly sought after bayfront community of Lesner Pointe East along the Chesapeake Bay in Virginia Beach. Quality renovations are present throughout along with extreme attention to detail. The chef-inspired kitchen features stunning quartzite counters with a matching full slab backsplash, clean white shaker cabinetry, premium stainless GE Cafe appliances with brushed bronze hardware and an expansive breakfast bar. The owner's retreat is complete with a custom walk-in closet system and a spa-inspired ensuite bath boasting a frameless glass walk-in shower with elegant wave-textured wall tile and pebble accents. Other fine features include all new lighting, plantation shutters, a gas fireplace surrounded by custom built ins, and smooth ceilings. Complete with a private patio by the pool and private beach access, this home delivers the ultimate turn-key beach lifestyle.

2300 Shore Sands Court Unit 102, Northeast Virginia Beach

$550,000
3 Beds 2.1 Baths 10649377 MLS
Stunning 3BR/2.5BA home nestled in the prestigious gated community of Royal Court in Virginia Beach. Meticulously maintained and pride of ownership shows in every room showcasing numerous modern upgrades. Boasting a wonderful open-concept floorplan, gleaming hardwood flooring throughout, new carpet, gas fireplace with exquisite marble surround , beautifully updated kitchen with breakfast area, corian countertops & stainless steel appliances, great built-ins in the living and dining area and plenty of storage space and 1-car garage with 2 parking spaces. Primary bed includes a walk-in closet and gorgeous primary bath recently updated with double vanity, jetted tub, and tiled shower. Backyard is adorned with an expansive updated deck, retractable awning and stunning landscaping. Fabulous home in a fabulous community. This is a home you don’t want to miss. Convenient to Town Center, interstates, beaches, bases award-winning restaurants & shopping.

941 Royal Cove Way, Northeast Virginia Beach

$259,900
2 Beds 2.1 Baths 10649327 MLS
Welcome to this beautiful townhouse in Buckner Woods! This home offers laminate flooring throughout the first floor and comfortable carpeting upstairs and in the bedrooms. The kitchen features stainless steel appliances that convey with the property. The spacious layout includes two primary suites, each with a walk-in closet and private bathroom. One primary suite has cathedral ceilings. A versatile nook off the living room provides the perfect spot for a reading area, home office, or cozy retreat. Hot water heater new in May of 2024, HVAC new in 2020, all kitchen appliances new in 2023. Carpeting and LVP floors new in 2024. Enjoy outdoor privacy in the fully fenced front patio area, complete with a storage shed—great for relaxing or entertaining. Ample guest parking makes hosting visitors convenient. Located in a desirable, convenient area near shopping, dining, everyday amenities, and great schools. The gated Buckner Woods community offers a pool and grounds maintenance for added convenience and easy living. Don't miss the opportunity to make this home!

3837 Lasalle Drive Unit 109, South Central 2 Virginia Beach

$344,900
2 Beds 2 Baths 10649176 MLS
Come home to resort-style living at Harbour Point, a gated waterfront community on Rudee Inlet. This first-floor, single-level 2-bedroom, 2-bath condo offers approximately 1,200 sq ft with an open layout, abundant natural light, and fresh neutral paint — move-in ready. The primary suite features a full bath and walk-in closet. A brand-new (8/2026) AC system with a 10-year warranty was just installed, and a new washer and dryer (3/2026) convey with the home. The community features a marina, boardwalk, gazebo over the water, and a pool with covered cabana, outdoor shower, sink, fridge, and ice machine, plus rentable kayak racks and fish-cleaning stations. Boat slips available to purchase or rent (none conveys). Minutes to the Oceanfront boardwalk, dining, shopping, and entertainment. Flood Zone X (low risk).

407 Harbour Point Unit 104, Northeast Virginia Beach

$269,900
1 Beds 1.1 Baths 10649032 MLS
Fantastic buy & opportunity for "beach lifestyle", offering resort-style living in highly desirable Harbour Point community on Rudee Inlet & only minutes from Virginia Beach Oceanfront, Croatan Beach, the Boardwalk, The Dome, Atlantic Park Surf and much more! Beautifully updated 3rd floor, 2-level loft condo offers a bright open concept floor plan with soaring ceilings & modern updates throughout. Harbour Point amenities include gated entry, pool, covered cabana, outdoor shower, marina, boat dock, gazebo, kayak storage, fish cleaning station & waterfront access. Low maintenance living & an ideal primary residence, vacation getaway or investment property. Boat slips available for purchase or lease for unit owners only.

405 Harbour Point Point Unit #305, Northeast Virginia Beach

$724,900
3 Beds 2 Baths 10648060 MLS
Welcome to Water Oaks! This beautifully updated **first-floor, bayfront 3-bedroom, 2-full-bath condo** offers the perfect blend of comfort, convenience, and coastal living. The spacious, enclosed sunroom provides an inviting additional living space, while newer flooring adds a fresh, modern feel throughout. The updated kitchen features a beautiful backsplash and stainless-steel appliances. Step outside to enjoy the **newer deck surrounded by beautiful landscaping**—great for relaxing or entertaining. Located just steps from the **beach and community pool**, this gated community offers an exceptional beachside lifestyle. A fantastic opportunity to enjoy easy first-floor living in a desirable bayfront community! Pet restrictions of two pets and 100# total.

3920 Whispering Oaks Place Unit 102, Northwest Virginia Beach

$249,900
2 Beds 2 Baths 10647786 MLS
Welcome to coastal living at its finest! Situated in the heart of Virginia Beach, this beautifully updated Unit 104 at Ocean Trace Arch offers the ultimate blend of modern style and everyday convenience. Every inch of this home has been thoughtfully refreshed to offer a turnkey, move-in-ready experience. Step inside to discover brand-new flooring and fresh, modern paint that create a bright, airy coastal aesthetic throughout. The heart of the home is the completely redesigned kitchen, featuring sleek quartz countertops, contemporary cabinetry, and updated fixtures. Both bathrooms have also been fully modernized with stylish finishes, ensuring a luxurious, spa-like feel. Whether you are looking for a primary residence or a vacation getaway, this gem puts you moments away from the best shopping, dining, and beaches the area has to offer. Do not miss the opportunity to own a fully updated home in one of Virginia Beach's most desirable locations! The home has been remodeled throughout 2025: kitchen, bathrooms, floors, paint, and light fixtures. The two-bedroom ceiling fans do not convey. Light fixtures will be installed before the seller moves out.

500 Ocean Trace Arch Unit 104, Northeast Virginia Beach

$535,000
3 Beds 2 Baths 10646765 MLS
Location, location, location! Experience easy coastal living in this bright, beautifully updated 3-bedroom, 2-bath condo nestled in a gated Chesapeake Bay community. The open-concept layout features abundant custom cabinetry, fresh paint throughout, and all-new luxury vinyl plank flooring and carpet, making this home completely move-in ready. Enjoy resort-style amenities including a pool overlooking the bay, private beach access, a community herb garden, and an assigned parking space. Just steps from the sand, local restaurants, and the Lesner Bridge—enjoy biking, walking, or taking in breathtaking sunsets. Whether you're looking for a full-time residence, weekend retreat, or investment opportunity, this condo offers the ultimate beach lifestyle in one of Virginia Beach's most desirable waterfront communities.

3236 Silver Sands Circle Unit 101, Northeast Virginia Beach

$500,000
2 Beds 2 Baths 10646595 MLS
Wake up to breathtaking Chesapeake Bay views from every window in this beautifully updated 2-bedroom, 2-bath condo, just moments from the beach. Begin each day with a stunning sunrise over the water, then spend your afternoons unwinding by the community pool, complete with a wet bar, grilling area, and a spacious deck overlooking the Bay. Thoughtfully updated with granite countertops, custom cabinetry, flooring, a new shower, HVAC, heating system, water heater, and dishwasher, this home offers both style and peace of mind. Condo fees include water, sewer, trash, pool, grounds maintenance, and the master insurance policy, making coastal living easy. Conveniently located near Cape Henry Trail, local restaurants, military bases, and everything Shore Drive has to offer, this is beach living at its best.

2312 Beach Haven Drive Unit 104, Northeast Virginia Beach

$389,800
3 Beds 2 Baths 10646020 MLS
The Crescent Condominiums is a private, gated community where neighbors understand a warm smile and a tip of the hat while walking the dog or brisk walk is a normal part of the day. Enjoy a deluxe pool, year round ground maintenance, water & sewer plus twice-a-week garbage pickup included in your COA fee. This unit was upgraded with the best features by the builder including built-in bookcases, fireplace mantel/hearth, gas fire logs with the flip of a switch, and premium recessed lighting. The new HVAC (2025) means another 2 decades of stress-less heat/cool. New LVP flooring compliments the warm-honey toned wooden flooring. Addtl. storage tucked into the massive stair well means the garage doesn't have to be cluttered (unless you like to go freestyle). Rising above the street level your home has unhindered views of the coveted community as well as soft breezes to waft through your home. Tiptoe across the street to the alluring Princess Anne Library--everything is about ease in this updated, fresh and luxurious condo. Two reserved spaces plus the 1-car garage means no daily street fighting for a spot. Life ought to be stress-less any chance we get and Crescent Condominiums fits that bill perfectly.

2100 San Lorenzo Quay, Southeast Virginia Beach

$325,000
10645661 MLS
Own the perfect coastal escape in a gated community! This totally renovated trailer features covered deck & private dock for your boat. This turn-key property is positioned for high-yield vacation rentals. Located 1 block to the Atlantic, you get the best of both worlds: ocean sunrises and bay sunsets. Direct access to the open water of the Back Bay for kayaking, paddleboarding & boating. The lot grants owners & guests full access to resort-style amenities including: boat ramp, 2 pools, tennis/pickleball, volleyball courts, clubhouse/gym. Land is being sold for $325,000, improvements transfer for $44,000. Trailer transfers for $10 w/DMV title. Buyer must honor all rentals for 2026. With reasonable quarterly HOA fees of $1,030. Own a piece of paradise for $369,000. Year round living not permitted. Financing available.

3665 Sandpiper Road Unit 88, Southeast Virginia Beach

$749,900
2 Beds 2 Baths 10645862 MLS
NEW PRICE — $749,900 on the Chesapeake Bay! Experience breathtaking bay views and spectacular sunsets from this beautifully updated and spacious 2-bedroom, 2-bath residence at Lynnhaven Dunes Luxury Condominiums. With approximately 1,850 square feet, this home offers an exceptional combination of space, views, comfort, coastal beauty, and one-floor living. Wake up to water views and unwind each evening as the sun sets over the bay. The open, inviting living spaces are enhanced by wood-like LVP flooring, while the updated kitchen and guest bath adds style and convenience. Storm doors provide added comfort and functionality. Other recent improvements include Plantation Shutters, and an energy-efficient Trane Aquacoil air handler. The well-cared for residence sets it apart, offering room to relax, entertain and enjoy waterfront living without sacrificing space. Large windows showcase the ever-changing bay views and bring the beauty of the water indoors. Lynnhaven Dunes offers concrete construction as well as the opportunity to enjoy a true coastal lifestyle with direct access to the beach and bay right outside your door. A community pool with shower and restrooms, beautiful landscaping and quietness adds to the relaxing environment. The covered parking garage provides a storage shed, your mailbox, elevator and trash receptacles. Whether you're looking for a year-round residence, a weekend retreat or a place to enjoy the best of Virginia Beach, this is a property worth seeing in person. Now $749,900. Come see the views, the space and the upgrades for yourself. Follow the sidewalk to the elevator or steps.

3240 Page Ave Avenue Unit 203, Northeast 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.