Refine Search
Sort by
$345,000
2 Beds 2 Baths 10646694 MLS
Enjoy the ease of first floor living in the desirable Braemar Creek! This bright and open-end unit boasts 9' ceilings, a one-car garage, and easy access to overflow parking and mailboxes. The kitchen shines with gorgeous wood floors and stainless-steel appliances, leading to a cozy breakfast nook or den—your choice! The spacious dining area flows into a comfortable living space that opens onto a private patio. The primary bedroom offers a tray ceiling, walk-in closet, and ensuite bath, with an additional bedroom, full bath, and laundry room nearby. Tiled floors accent the foyer, baths, and laundry room. This neighborhood offers great amenities, including a pool, playground, tennis court, clubhouse, picnic area, and even a golf course right behind the unit. It’s ready for you to move in!

1601 Braemar Creek, Williamsburg

$499,000
3 Beds 2.1 Baths 10646528 MLS
A rare opportunity to own a beautiful waterfront townhouse in Williamsburg! Wake each morning to tranquil lake views from your first-floor primary suite, then enjoy your coffee on the composite deck overlooking the water. In the evening, relax with your favorite beverage as the sun sets over the lake—every day feels like a vacation. The thoughtfully designed first floor features a spacious primary suite with a walk-in closet and private bath, a bright, sun-filled sun room with lovely lake views, a great room with plantation shutters and a cozy gas fireplace, and a dining area great for entertaining. The kitchen is equipped with granite countertops and stainless steel appliances, while a convenient half bath and laundry room complete the main level. Upstairs, you'll find two additional bedrooms, a full bath with dual entry and a versatile bonus room that can serve as a home office, hobby room, or additional storage. With shopping, dining, entertainment, and everyday conveniences all less than a mile away, this exceptional home offers the perfect blend of comfort, convenience, and lifestyle.

3748 Lake Powhatan, Williamsburg

$749,000
4 Beds 3.1 Baths 10646382 MLS
Wooded privacy, exceptional flexibility and effortless living come together in this custom Marquee Homes residence. Meticulously maintained, the home enjoys a backdrop of mature trees—ideal for relaxing, birdwatching and enjoying nature. The floor plan features open living spaces, a light-filled sunroom and two flexible first-floor rooms perfect for an office, den or library. The inviting great room includes a gas fireplace and opens to the kitchen with gas cooktop, newer dishwasher and refrigerator. The first-floor primary suite features a renovated bath with a large tiled shower, granite counters and generous walk-in closet. Upstairs, bedroom 2 offers an en suite bath, while bedrooms 3 and 4 share a Jack-and-Jill bath. A spacious bonus room provides excellent space for hobbies, guests or recreation. This gated 55+ community offers indoor and outdoor pools, clubhouse, fitness center and walking trails. HOA fees include lawn care and trash pickup for easy, low-maintenance living.

4031 Coronation, Williamsburg

$285,000
2 Beds 2.1 Baths 10646726 MLS
Welcome to easy living in Braemar Creek! This light-filled end-unit condo offers 2 bedrooms, 2.5 bathrooms, and a thoughtfully designed two-story layout with all living spaces on the main level and two private ensuite bedrooms upstairs. Each bedroom features its own walk-in closet, making this an ideal setup for roommates, guests, or anyone who appreciates extra privacy. The open kitchen features white cabinetry, a deep walk-in pantry, and flows into the dining area with access to a private patio—an inviting spot to enjoy your morning coffee or unwind after a long day. Everyday convenience is part of the appeal. Your assigned parking is just steps from the front door, so there’s no long walk with groceries in hand. Even the community dumpster is just the right distance away—close enough for a quick trash run, but far enough that it’s not your neighbor. As an end unit, you’ll enjoy abundant natural light and the added bonus of the neighboring unit only occupied about 30 days each year. Braemar Creek residents enjoy outstanding amenities, including a pool, clubhouse, tennis courts, playground, and a beautiful setting alongside Williamsburg National Golf Club. Conveniently located near shopping, dining, and everything Williamsburg has to offer, this home is an excellent opportunity for first-time buyers, downsizers, or anyone seeking low-maintenance living in a fantastic location.

2008 Duntrune Glen, Williamsburg

$915,000
4 Beds 3.1 Baths 10646715 MLS
Experience refined living in Governor’s Land, where timeless architecture, thoughtful updates, and an exceptional lifestyle come together. Set on nearly an acre, this beautifully maintained home offers 4 bedrooms including a first-floor primary suite, 3.1 baths, and a spacious bonus room. A gracious Southern-style front porch welcomes you, while the rear deck with sunshade provides the perfect setting for outdoor entertaining and relaxation. Inside showcases light filled freshly painted rooms, beautiful millwork, effortless flow, & gracious 1st floor living. The spacious kitchen provides multiple workspaces, a casual dining area, an entertaining island & opens to the sunroom for easy entertaining. A private study with floor-to-ceiling built-in bookshelves & a formal dining room add sophistication. 1st floor primary suite is complete with a newly remodeled walk-in closet & serene views. The 2nd floor includes 3 en-suite bedrooms, a bonus room with rear staircase and abundant conditioned space great for storage, or hobbies or future customization. The homesite is a peaceful sanctuary with wooded privacy, glimpses of the golf course, & seasonal views of the James River. New roof, carpet, dormer windows, encapsulated crawl space!

2333 W Island Road, Williamsburg

$645,000
4 Beds 3.1 Baths 10646563 MLS
Beautiful Cape Cod in the highly sought-after First Colony neighborhood! This charming home offers incredible curb appeal with its iconic wraparound porch and welcoming presence. Inside, you'll find an updated kitchen featuring a Wolf range, a beautifully remodeled primary bathroom, and spacious living areas designed for both everyday comfort and entertaining. Recent improvements include a new screened porch (2024), new paver patio (2024), partially encapsulated crawl space (2024), and a tankless water heater. The large fenced backyard provides plenty of space to enjoy the outdoors and includes an additional storage shed. With generously sized bedrooms and a large bonus room, this home offers flexibility for a variety of lifestyles. First Colony features an optional HOA with access to a marina and pool situated along the scenic banks of the James River. Conveniently located near shopping, dining, and entertainment, this unique property truly has something for everyone.

113 Evergreen Way, Williamsburg

$890,000
5 Beds 4.2 Baths 10645915 MLS
Welcome to this exceptional residence in Governor's Land. Situated on a spacious corner lot, this beautifully maintained 5-bedroom home offers a highly desirable floor plan with three bedrooms on the main level, providing flexibility for family, guests, or multigenerational living. Filled with natural light, the home features generous room sizes, multiple living areas, and a seamless layout designed for comfortable daily living. The spacious kitchen opens to inviting gathering spaces, creating the perfect setting for family meals and quiet evenings at home. Outside, the beautifully landscaped yard, mature trees, and spacious patio create a private outdoor retreat. This home offers the perfect combination of space, function, privacy, and timeless appeal.

2901 Thomas Smith Lane, Williamsburg

$859,000
4 Beds 3.1 Baths 10645784 MLS
Beautifully situated on the 5th fairway in Governor’s Land, this all-brick home offers 4,499 square feet, lovely golf course views and exceptional first-floor living with two bedrooms on the main level. The spacious kitchen features double ovens, gas cooking, a center island and a large breakfast area with views. The great room includes built-ins and new carpet, while the inviting sunroom also takes full advantage of the setting. A formal dining room and living room or office provide additional flexibility. The first-floor primary bedroom includes a generous walk-in closet, and the second first-floor bedroom features an en suite bath. Upstairs are two spacious bedrooms, a full bath and a bonus room. A heated and cooled storage room and large walk-in attic offer excellent storage. Outside, a large patio overlooks the golf course and creates a wonderful place to relax or entertain. Roof replaced in 2024.

2052 Hornes Lake Road, Williamsburg

$445,000
3 Beds 2.1 Baths 10645704 MLS
Space, location, and possibility come together in this 3 bd, 2.5 bath home offering 2106 square feet in one of Wbg most established and desirable neighborhoods. Waterford is known for its sense of community, and easy access to shopping, and dining, the kind of setting that keeps buyers coming back to this neighborhood. Step inside and you'll immediately appreciate the generous room sizes and the floor plan, offering an open concept great room and dining room, kitchen with new flooring and stove and a first-floor primary suite. This layout gives you flexibility for everyday living as well as room to entertain — a rare find at this price point. This home is ready for your personal touch. The cosmetic updates it needs are exactly what make it such a smart opportunity: with some fresh paint, updated flooring, and modern finishes, you have the chance to build instant equity while creating a home that reflects your own style, rather than paying a premium for someone else's design choices.

135 Waters Edge Drive, Williamsburg

$710,000
4 Beds 2.1 Baths 10645435 MLS
Welcome to 4135 Longview Landing, a beautifully designed golf-front home in sought-after Greensprings West. Offering 2,550 square feet, this home features three large bedrooms plus a fourth bedroom/ bonus room, two-and-a-half baths, and an unfinished space ready to become an additional primary bedroom or living area. The flexible floor plan includes a first-floor primary suite, 9 ft plus ceilings, and hardwood floors throughout the main living areas. Recent updates include a new first-floor air conditioning system (2026) and fresh paint in the great room, dining room, & primary bedroom. The great room offers a vaulted ceiling, gas fireplace and built-in cabinets. The large formal dining room has wainscoting and crown molding. The bright kitchen features Corian countertops, maple cabinetry, a large island, a pantry, and a sunny breakfast area. Relax on the screened porch looking out to the flat, private backyard and the 9th hole of Williamsburg National Golf Club. Greensprings West offers outstanding neighborhood amenities, including a community pool, clubhouse, and playground, while the beautifully maintained Williamsburg National Golf Club winds throughout the community. Located 15 minutes from Interstate 64, The College of William and Mary, and multiple military bases.

4135 Longview Landing, Williamsburg

$600,000
4 Beds 2.1 Baths 10645177 MLS
Welcome to 3305 Timber Ridge in desirable Heritage Landing! This immaculate, move-in-ready, low-maintenance home features an updated kitchen with abundant countertop space, a beautiful sunroom, recently painted interior, LVP flooring (2021), newer dual-zone HVAC (2026), newer stove (2026), water heater (2017), and a newer 50-year architectural roof (2025). Enjoy the spacious backyard for entertaining, relaxing, or outdoor activities. A vapor barrier in the crawl space adds to this home's exceptional upkeep. Optional Heritage Landing Civic Association membership offers access to a community pool, tennis and basketball courts, playgrounds, marina and boat ramp, fishing areas, plus the James River, Lake Pasbehegh, and the Virginia Capital Trail.

3305 Timber Ridge, Williamsburg

$290,000
2 Beds 2 Baths 10644318 MLS
A++ single level, 2 bedroom, 2 full bath condo in Fairway Villas near Jamestown HS, zoned for Matoaka + Hornsby too! With a new roof in '25 + HVAC and water heater, & new luxury vinyl plank (LVP) floors in '24, this "Edgewood" model home offers peace of mind! Updated bathrooms, paint, and kitchen appliances round it out as an ideal/move-in ready home! The primary bedroom has an en suite bathroom & walk-in closet. The floored attic offers additional storage. The murphy bed in the 2nd bedroom allows a home office to easily convert to a guest room. The cathedral ceilings & added details speak luxury: under cabinet lighting, self-closing cabinets, & backsplash. With 2 dedicated parking spaces & ample visitor parking, community amenities include pool, tennis courts & playground, plus a scenic pond! A prime location near shopping & dining, this end/corner unit, on the 2nd level is tucked in private corner & is steps away from the Virginia Capital Biking/Walking Trail! Williamsburg National Golf Course and Spoke & Art are your nearest attractions. Make this your home today!

338 Fairway Lookout, Williamsburg

$975,000
4 Beds 3.1 Baths 10644049 MLS
Set at the end of a cul-de-sac on over half an acre in highly desirable The Governor’s Land at Two Rivers, this home offers soaring ceilings, beautiful natural light; a gracious floor plan designed for comfortable living and easy entertaining. Refinished American Cherry hardwood floors and fresh interior paint create a bright, refreshed feel throughout. A first-floor office for work or quiet retreat. Massive primary suite features two large closets, a cozy fireplace, a spa-like bath with soaking tub and dual vanities. The kitchen opens seamlessly to the family room and screened porch overlooking a private rear yard. Rich millwork, oversized windows, and three fireplaces add warmth and character throughout. A formal dining room is complemented by a serving pantry with dry bar, wine refrigerator, and added cabinetry. Upstairs, three well-sized bedrooms and two full baths complete the floor plan. Nearly 1,300SF of unfinished attic space offers storage or room for future expansion.

2076 Harpers Mill, Williamsburg

$884,900
5 Beds 3.1 Baths 10642734 MLS
Light-filled and beautifully appointed, this all-brick home is set on a private .63-acre lot in The Governor’s Land at Two Rivers, moments from walking trails, the James River, marina, beach, golf and world-class community amenities. Nearly 4,000 square feet offers an effortless floor plan with a white kitchen featuring quartz countertops, formal dining room, first-floor office with wet bar, and an inviting great room with gas fireplace opening to an expansive Trex deck. The spacious first-floor primary suite features a vaulted ceiling, while the second level offers four additional bedrooms, two full baths and a generous recreation room. Hardwood floors, elegant millwork, fresh interiors, a fantastic floorplan, irrigation and a private, tree-lined backyard complete this exceptional property. OFFERING FULL TRCC INITIATION FEE CREDIT WITH ACCEPTABLE OFFER (~$47,000 Value)!

2925 Nathaniels Run, Williamsburg

$3,350,000
5 Beds 4 Baths 10642639 MLS
Enjoy sweeping river views from all levels of your private 4+ acre Chickahominy riverfront estate. Rare opportunity among only 5 private estates crafted by renowned builder Michael Brown, (no HOA). Your oasis offers unparalleled luxury, with designer updates throughout and views of sunsets and soaring bald eagles. Turnkey brick Georgian estate features 10’ ceilings, breathtaking new kitchen, remodeled master suites (2) and living rooms, 3 fireplaces, and walk-out finished lower level featuring a teen or in-law suite. Daydream in the river views from your upstairs French-door office or nursery. Relax on your elevated new deck or the pristine new pool, a 40’x20’ with its beautiful patio for entertaining. Stroll out your long pier to your deep- water dock equipped with boat and jet-ski lifts and a rare upper dock. Home upgrades provide ultimate peace of mind: new roof and HVAC, secure entry gate, landscape lighting, 3-car garage. Adjacent to Capitol Trail and minutes to town.

3528 Barretts Ferry Drive, Williamsburg

$299,000
2 Beds 2.1 Baths 10641122 MLS
This light and bright 2 bedroom 2.5 bath condo in beautiful Braemar Creek is move in ready! Bring your unique design to complement a neutral pallet of creams and tans. The owners have made a multitude of upgrades, like a new HVAC in 2022, replaced window panes in 2024, granite countertops in the kitchen, beautiful wide plank white oak style floors on the main and more. This double primary suite condo has two large bedrooms, two living spaces plus room for an office. Dine al fresco on your private patio or have lunch at the picnic tables beside the playground. The owners are including all appliances in the kitchen plus the washer and dryer. Come and relax in this swim/tennis/gym community that is nestled alongside the National Golf Club. Feel removed from the hustle and bustle of the city while enjoying close proximity to Target, Trader Joe’s, New Town, William and Mary, Camp Perry, and all Colonial Williamsburg has to offer. Enjoy game nights hosted by the HOA, meet your neighbors as you take a stroll along the sidewalks, and become a part of a vibrant and engaged community. Exterior maintenance/landscaping/swim/tennis/gym & trash collection is included for only $220 per month. 1805 Duntrune has been loved and cared for by the residents, and it is ready and waiting for a new owner to call it home. .

1805 Duntrune Glen, Williamsburg

$1,580,000
5 Beds 4.2 Baths 10639943 MLS
Fully renovated waterfront home overlooking a tranquil lake in the private country club community of Governor’s Land at Two Rivers, offering exceptional value for a fully renovated waterfront property with pool in one of Williamsburg’s most sought-after communities. Designed for both comfortable everyday living and effortless entertaining, this beautifully updated residence offers approximately 4,700+ square feet of light-filled living space. A welcoming entry opens to bright, open interiors with immediate views of the lake, creating a striking first impression. The renovated marble kitchen is equipped with Sub-Zero refrigeration, a Wolf range, and generous workspace, seamlessly connecting to the main living and dining areas. Expansive windows frame peaceful water views, enhancing the home’s sense of space, light, and tranquility. The spacious primary suite provides a private retreat with serene lake views and a spa-like bath.

2900 Thomas Smith Lane, Williamsburg

$740,000
5 Beds 3 Baths 10639650 MLS
Updated 3,100 sq. ft., 5BR/3BA home in Greensprings West with golf course views. Features include refinished hardwood floors, new second-floor carpet, and a freshly painted deck. Main level offers an open floor plan with 9' ceilings, foyer, study/bedroom, full bath, formal dining room, and an eat-in kitchen with granite counters, full appliances, and island cooktop. Sunroom and living room with gas fireplace overlook the golf course. Laundry room with washer/dryer included. Upstairs includes a large primary suite with double vanities, jetted tub, glass shower, skylight, and walk-in closet, plus additional bedrooms and a spacious bonus room over the garage. Flooring includes hardwood, tile, and new carpet. 2-car garage. Community amenities include a clubhouse, pool, tennis courts, and playground across the street. Optional golf membership available through Williamsburg National. Zoned for Matoaka ES, Hornsby MS, and Jamestown HS.

4024 Colonial Crescent, Williamsburg

$629,000
4 Beds 2.1 Baths 10639430 MLS
Located in the desirable Greenspring West neighborhood, this Immaculate and truly move-in ready 4-bedroom, 2.5-bath home offers a spacious layout with so many beautiful updates throughout. The renovated kitchen features quartz countertops, updated backsplash, newer appliances, and opens to the main living area and eat-in space, making it functional for both everyday living and entertaining. It also features renovated bathrooms, new flooring throughout, tray ceilings, custom archways, chair rail molding, and a spacious primary suite with a double vanity, jacuzzi tub, and walk-in closets in every single bedroom. Roof, HVAC, water heater, and appliances are all less than 2 years old. The peaceful backyard setting along with the amazing neighborhood amenities including a pool, tennis and pickleball courts completes the package!

3306 Westover Ridge, Williamsburg

$889,000
5 Beds 4 Baths 10639563 MLS
Welcome home- 5 bedrooms, 4 car-garage, oasis back yard, heated REC pool/spa, and a 4-car garage! Greeted by a charming front porch, you’ll discover four full baths and three cozy natural gas fireplaces located in the Great Room, Primary Suite, and Sunroom, creating warm and inviting spaces to retreat to. The heart of this home is the expansive kitchen, complete with a center island, a bright breakfast area, and a large walk-in pantry. This stunning residence features 2 inviting bedrooms on the first floor and 2 more on the second, plus an amazing 5th bedroom with its own private entrance above the spacious four-car garage—perfect for guests or a home office!Enjoy seamless indoor-outdoor living with breathtaking views of the incredible backyard! Step into an exceptional Sunroom adorned with walls of windows that draws you to the outdoor retreat. The lush and easy to maintain backyard boasts walking paths, charming raised gardens, a built-in grill, mesmerizing water features, and an array of seasonal blooms—it's a nature lover's paradise! Complete with a delightful gazebo and a year-round 8x15 heated REC pool/spa that’s perfect for relaxation or a vigorous swim. Situated on an exceptional .75-acre setting, this home truly has it all.

2093 Harpers Mill, Williamsburg

$305,000
2 Beds 2.1 Baths 10639209 MLS
One level living in spacious two story condo! Whether you're looking for a full-time residence or the perfect seasonal retreat, this beautifully designed townhome offers comfort, convenience, and a prime location. Fairway Villas has six spaces open until the rental cap is met. The desirable first-floor primary suite provides easy one-level living, while the spacious living room flows seamlessly into the dining area—ideal for everyday living and entertaining. The well-appointed kitchen offers abundant cabinet space, a breakfast nook, and access to a private deck overlooking peaceful wooded views. Upstairs, you'll find a generous guest bedroom with a full bath, plus a versatile loft that can easily be turned into a third bedroom, or serve as a home office, library, media room, or recreational space. Enjoy maintenance-free living just minutes from shopping, dining, golf, and the historic charm of Colonial Williamsburg.

282 Shoal Creek, Williamsburg

$1,099,000
5 Beds 4.1 Baths 10638330 MLS
Exquisitely updated and impeccably maintained home in the prestigious gated community of Governors Land offers refined luxury living at its finest. This exceptional estate features 4,668 square feet of expansive living space with beautifully proportioned rooms, soaring 9+ foot ceilings, and a dramatic cathedral ceiling in the family room. Hardwood floors grace the first floor, while elegant entertaining spaces include a formal dining room, wet bar, and expansive brick paved screened porch overlooking serene wooded views. The home offers two primary suites, including a luxurious first-floor retreat, four spacious upstairs ensuites, an executive office, and upstairs study. Fresh paint, new KitchenAid appliances, new AC units, upgraded insulation, encapsulated crawlspace, paved driveway, and EV charging complete the extraordinary Williamsburg residence.

3020 River Reach, Williamsburg

$699,000
4 Beds 2.1 Baths 10637549 MLS
Perfectly designed for transitional living, this beautiful home is located in the highly sought-after Greensprings West. The thoughtfully crafted floor plan features a spacious first-floor primary suite, offering comfort and convenience. Also on the main level are a private office with French doors, an elegant dining room, a dramatic vaulted family room, a chef’s kitchen, and a comfortable breakfast area. An incredible vaulted three-season room provides the perfect space to relax and seamlessly connects to a stunning paver patio for exceptional outdoor living and entertaining. Upstairs, you'll find three additional bedrooms, a full bath, and an oversized loft, creating flexible space for family, guests, or hobbies. This exceptional home combines style, functionality, and effortless living. Modern, refreshed paint palette and all-new carpeting throughout. The encapsulated crawlspace is a valuable upgrade that helps maintain a dry, energy-efficient foundation. This home works well for retirees or families!

4132 Longview Landing, Williamsburg

$690,000
4 Beds 3.1 Baths 10635238 MLS
Located in Governors Land at Two Rivers, this all-brick home offers 4 bedrooms, 3.5 baths, and is set on nearly an acre with a wooded setting. The residence reflects the architectural style associated with Williamsburg and features a two-story foyer, traditional living spaces, and a screened porch overlooking the natural surroundings. Maintained by its original owner, the home remains in its original condition and offers an opportunity to update or personalize while preserving its classic design. The basement features a private exterior entrance that provides additional space for future use or expansion. The property is located in a community along the James River with access to Two Rivers Country Club. Enjoy the country club lifestyle with access to golf, tennis, swimming, marina access, and dining in a setting that offers natural beauty and privacy. Convenient to Colonial Williamsburg, shopping, dining, and area amenities. Roof 2024, Dishwasher, Driveway largely replaced in 2026.

2305 W Island Road, Williamsburg

$949,000
4 Beds 3.1 Baths 10634437 MLS
Located in the prestigious community of Governor’s Land at Two Rivers, this exceptional custom home by renowned builder Michael Brown blends timeless elegance with refined country club living. Designed for both entertaining and everyday comfort, the spacious floor plan showcases quality craftsmanship and sophisticated architectural details throughout. The home features a gracious formal dining room, a richly appointed library ideal for a private office or reading retreat, and a desirable main-level primary suite offering comfort and convenience. Upstairs, three additional bedrooms provide ample space for family and guests, along with two versatile bonus rooms perfect for media, fitness, studio, or flex living. The conditioned workshop creates a dream space for the craftsman, hobbyist or creative enthusiast. Enjoy the luxury lifestyle of one of Williamsburg’s premier country club communities, offering privacy, beauty, and exceptional amenities in an unparalleled setting.

3251 Wingfield Lake Road, Williamsburg

$1,275,000
4 Beds 3.3 Baths 10633054 MLS
Exceptional luxury living in Governor’s Land at Two Rivers Country Club. This custom all-brick transitional home offers 5,734 sq ft of refined space on a premier lot overlooking Travis Pond and the 9th hole. Featuring 4 bedrooms including a first-floor primary suite, 3 full and 2 half baths, and a full walkout basement. A dramatic two-story foyer with a sweeping staircase sets the tone, leading to elegant formal and casual spaces. Recently renovated, the home showcases quartz countertops in the kitchen, wet bar, laundry, and primary bath, along with a stunning redesigned tile shower and updated vanities. The chef’s kitchen features gas cooking, double ovens, and stainless appliances, opening to bright living areas with 3 fireplaces. Enjoy serene outdoor living on the expansive deck with water and golf course views. A rare offering in one of Williamsburg’s premier gated communities.

3009 Travis Pond Road, Williamsburg

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.