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$450,000
4 Beds ⋅ 2.1 Baths ⋅ 10654404 MLS
Welcome Home! Beautiful home with a movie theater room. Step inside to discover new LVP, new carpet, freshly painted, spacious living area, and an open floor plan designed for everyday living and entertaining. One of the homes standout features is the theater room with stadium seating. Whether your hosting movie nights, cheering on your favorite team, or enjoying a family gathering, this incredible space is sure to impress. Outside, enjoy peaceful waterfront views from the screened porch overlooking the backyard. Located in a golfcourse community and convenient shopping, dining, schools, and major commuter routes, this home offers the lifestyle you've been searching for.

120 Lakes Edge Drive, Suffolk
$495,000
4 Beds ⋅ 2.1 Baths ⋅ 10654251 MLS
**New Construction in the Heart of Suffolk!** Welcome to the Elm model, offering modern design, spacious living, and the privacy of a 2+ acre lot. This beautiful 4-bedroom home features an open-concept layout with a seamless flow between the kitchen and family room, perfect for everyday living and entertaining. The eat-in kitchen boasts granite counter-tops, stainless steel appliances, a pantry, and plenty of cabinet space. The spacious living room features a cozy fireplace, while luxury vinyl plank flooring adds style and durability throughout the main living areas. The large primary suite offers generous his-and-her walk-in closets for exceptional storage. Enjoy your morning coffee on the inviting front porch or relax on the patio while taking in the peaceful wooded surroundings. Conveniently located with easy access to Downtown Suffolk, North Suffolk, and Route 58, this home offers the perfect combination of privacy, space, and accessibility. **New construction, acreage, and modern amenities — all in one!**

1013 Barbara Drive, Suffolk
$475,000
5 Beds ⋅ 2.1 Baths ⋅ 10654301 MLS
If you love outdoor beauty and effortless living, this stunning 5-bedroom, 2.5-bath home is an absolute must-see! Inside, the layout features a cozy den with plantation shutters and a warm gas fireplace. The beautifully updated kitchen boasts a gas stove, subway tile backsplash, and a charming shiplap bar that flows seamlessly into the shiplap-accented dining room. Retreat to the spacious primary suite, complete with an updated bath featuring a separate shower and a relaxing soaking tub. The true showstopper is the expansive, over 1/3-acre yard. This artfully designed outdoor oasis features lush flower beds, a cutting garden, raised vegetable and herb planters, and a custom-built playhouse. Relax or host large parties under the beautiful pergola. Enjoy complete peace of mind with updated bathrooms, a brand-new HVAC system, and a whole-house generator!

3013 Beech Grove Lane, Suffolk
$550,000
2 Beds ⋅ 1 Baths ⋅ 10654063 MLS
Amazing opportunity to purchase a beautiful deep water riverfront property in Hillpoint. Enjoy both sunrises with coffee and sunsets with another beverage sitting on the private dock or looking through the large south facing windows and sliding door. Property also features a direct boat ramp access to the river. Acres of marsh across the river will keep the unspoiled view intact. This hideaway is secluded but only minutes from the best shopping and dining that Suffolk has to offer. Only minutes from the bypass provides easy access to the rest of Hampton Roads. The view from the large south facing windows will make living enjoyable again.

853 Hillpoint Boulevard, Suffolk
$279,990
3 Beds ⋅ 3.1 Baths ⋅ 10654285 MLS
Welcome to Westhall Towns! Discover a vibrant new townhome community in Suffolk, VA, where modern design meets everyday convenience. Enjoy stylish, low-maintenance living with thoughtfully crafted homes, easy access to shopping, dining, and major commuter routes, and a welcoming neighborhood you'll be proud to call home. The Spencer is a thoughtfully designed 3-bedroom, three-story townhome that combines comfort and convenience. The first-floor bedroom offers flexible space for guests, a home office, or everyday versatility. The open-concept main level features a spacious kitchen, dining area, family room, and optional powder room, creating the perfect space for entertaining and daily living. Upstairs, you'll find the private owner's suite and an additional secondary bedroom. Complete with a 1-car garage and private driveway for additional parking, the Spencer offers modern, low-maintenance living at Westhall Towns. Call to schedule your appointment today! MOVE IN MARCH!

130 Shipwright Lane, Suffolk
$304,810
3 Beds ⋅ 3.1 Baths ⋅ 10654271 MLS
Welcome to Westhall Towns! Discover a vibrant new townhome community in Suffolk, VA, where modern design meets everyday convenience. Enjoy stylish, low-maintenance living with thoughtfully crafted homes, easy access to shopping, dining, and major commuter routes, and a welcoming neighborhood you'll be proud to call home. The Spencer is a thoughtfully designed 3-bedroom, three-story townhome that combines comfort and convenience. The first-floor bedroom offers flexible space for guests, a home office, or everyday versatility. The open-concept main level features a spacious kitchen, dining area, family room, and optional powder room, creating the perfect space for entertaining and daily living. Upstairs, you'll find the private owner's suite and an additional secondary bedroom. Complete with a 1-car garage and private driveway for additional parking, the Spencer offers modern, low-maintenance living at Westhall Towns. Call to schedule your appointment today!

146 Shipwright Lane, Suffolk
$286,900
3 Beds ⋅ 2.1 Baths ⋅ 10653985 MLS
NEW CONSTRUCTION IN PROGRESS!- COMPLETION DATE November 15,2026. Beautiful custom 3 bedroom. 2 .5 bath 2 story home by Daniels Construction. This lovely home features a primary ensuite and large closet, LED mirror, rain shower, cozy wall-to-wall carpet, gorgeous tile flooring and quartz counter-top. Open & spacious floor plan features kitchen with 42-inch upper cabinets with easy close drawers and doors, stainless steel appliances and quartz counter-tops and is centrally located with access to the family room and dining area. Other features include ceiling fans throughout , 9-foot ceilings downstairs, knock down plaster, laminate floors, tile in baths and laundry room, patio. Security System wiring installed, buyer has option to subscribe to and active security system monitoring services at Buyers cost. BONUS- Back yard totally fenced! Pictures are of a similar model.

528 Battery Avenue, Suffolk
$309,990
2 Beds ⋅ 2 Baths ⋅ 10654219 MLS
You've worked hard, and now it's time for a home that truly works for you-where every detail is designed for ease, comfort, and the freedom to enjoy life on your terms. With Goosehill Model say goodbye to stairs as it welcomes you with a stunning spacious kitchen flowing effortlessly into your open living and dining areas. Whether it's a cozy morning coffee or a lively gathering, your space is designed for you. The serene large suite offers a spa-inspired bath and generous walk-in closet, while a versatile second bedroom is great for guests, a home office, or hobbies. Step outside to your private patio, where fresh air and peaceful moments await. Thoughtful features like a dedicated laundry area and ample storage make everyday living effortless. Nestled in Legacy at Burbage Lake, a vibrant 55+ community, provides a maintenance-free lifestyle with resort-style amenities and inviting outdoor spaces. Come see why this home just feels right.

3006 Ashworth Way, Suffolk
$275,000
3 Beds ⋅ 2.1 Baths ⋅ 10654048 MLS
Fresh, bright, and move-in ready, this 1,224 sq ft home has been thoughtfully refreshed throughout. The main level features brand-new LVP flooring, fresh paint, an open and functional layout, a spacious living area, dining space with backyard access, and a light-filled kitchen with white cabinetry, stainless steel appliances, ample counter space, and a new dishwasher to be installed prior to settlement. Upstairs, enjoy brand-new carpet, comfortable bedrooms, updated baths, ceiling fans, and abundant natural light. Major components offer added peace of mind, with the roof, windows, systems, and mechanicals all less than 6 years old. Outside, a concrete patio opens to a large backyard with plenty of room to relax, garden, play, or entertain. Clean, updated, and ready for its next owner, this home delivers comfort, value, and low-maintenance living in one complete package.

739 Oxford Street, Suffolk
$624,900
6 Beds ⋅ 3 Baths ⋅ 10653975 MLS
Absolutely stunning 6-bedroom, 3-bath home offering space, style, and comfort! A bright two-story foyer welcomes you into this well-designed home featuring formal living and dining rooms, a spacious eat-in kitchen with center island, breakfast bar, abundant cabinetry, and plenty of workspace. The kitchen opens to a cozy family room with a gas fireplace and access to the backyard, making it perfect for entertaining. Upstairs, the expansive primary suite boasts vaulted ceilings, a large walk-in closet, and a private bath with dual vanities, soaking tub, and separate shower. Five additional spacious bedrooms provide flexibility for guests, a home office, or hobbies. Enjoy outdoor living in the large fenced backyard featuring both an open deck and a spacious screened porch, ideal for relaxing, grilling, or hosting family and friends. A must-see home!

308 Turnstone Drive, Suffolk
$485,000
4 Beds ⋅ 2.1 Baths ⋅ 10653954 MLS
Welcome home to this beautifully renovated 4-bedroom, 2.5-bath residence offering 2,810 sq. ft. of spacious, comfortable living. Freshly updated and move-in ready, this home features brand-new flooring and a bright, open feel throughout the downstairs. The inviting main level offers an easy flow between the living, dining, and kitchen areas, making it perfect for everyday living and entertaining. The brand-new kitchen is a standout, featuring beautiful granite countertops, new appliances, and modern finishes. Upstairs, you’ll find four generously sized bedrooms and two full baths, providing plenty of space for family, guests, or a home office. A convenient half bath is located on the main level. Step outside to enjoy the large backyard, offering plenty of room for outdoor entertaining, recreation, gardening, or relaxing. With its fresh renovations, spacious layout, updated kitchen, and expansive yard, this home is ready for its new owners. Don’t miss the opportunity to make it yours!

1459 Lipton Circle, Suffolk
$349,900
4 Beds ⋅ 2.1 Baths ⋅ 10653873 MLS
Welcome to 109 Wellons Street! Built in 2021 and beautifully maintained, this home offers modern finishes and comfortable living throughout. The kitchen features stainless steel appliances with plenty of space for everyday living and entertaining. Major components, including the roof, HVAC system, and windows, date to the home's 2021 construction. Enjoy great curb appeal, a covered front porch, and an attached garage. Conveniently located with access to shopping, dining, major roadways, and other area amenities. Move-in ready and in great condition, this home is ready for its next owner!

109 Wellons Street, Suffolk
$279,999
3 Beds ⋅ 2.1 Baths ⋅ 10653839 MLS
NEW CONSTRUCTION 3 WEEKS TO COMPLETION!! 4% in closing cost assistance when using builder's preferred lender and settlement company, with funds available at your discretion per program guidelines. BUYER CAN PICK ONE OF THE FOLLOWING WASHER/DRYER OR $2500 FENCE CREDIT. Beautifully crafted 2-story home features 3 bedrooms, 2.5 baths and stunning modern finishes. Enjoy 2-piece crown molding, fully cased windows, tall baseboards, and quartz countertops throughout kitchen and bathrooms, along with a full stainless steel appliance package, including the refrigerator. The home also features 2 inch custom blinds, built in blinds on back door, a two zone HVAC system with separate thermostats, and concrete driveway. Pictures are of model.

418B Hunter Street, Suffolk
$430,000
4 Beds ⋅ 2.1 Baths ⋅ 10653791 MLS
Meticulously maintained, one-owner 4-bedroom, 2.5-bath home in the heart of Suffolk, filled with thoughtful updates and outdoor spaces designed for relaxing and entertaining. Recent improvements include a beautifully renovated kitchen in 2024, HVAC replaced in 2025, roof replaced in 2021, new carpet, fresh interior paint, and new stonework around the pool in 2026. Situated on a spacious corner lot, the backyard feels like a private retreat with a large patio, custom-built pergola draped in wisteria, in-ground pool, koi pond, and storage shed. The hand-painted driveway, designed to resemble flagstone, adds even more charm and character. With its inviting farmhouse-inspired feel, lush outdoor setting, and extensive updates throughout, this home is truly move-in ready and offers the perfect blend of comfort, character, and convenience.

200 Dorset Way Way, Suffolk
$279,999
3 Beds ⋅ 2.1 Baths ⋅ 10653793 MLS
NEW CONSTRUCTION 30 DAYS TO COMPLETION!! 4% closing cost assistance when using builder's preferred lender and settlement company, with funds available at your discretion per program guidelines. BUYER CAN PICK ONE OF THE FOLLOWING WASHER/DRYER OR $2500 FENCE CREDIT. Beautifully crafted 2-story home features 3 bedrooms, 2.5 baths and stunning modern finishes. Enjoy two piece crown molding, fully cased windows, tall baseboards, and quartz countertops throughout kitchen and bathrooms, along with a full stainless steel appliance package, including the refrigerator. The home also features 2 inch custom blinds, built in blinds on back door, a two zone HVAC system with separate thermostats, and concrete driveway. Pictures are of model.

1106 Mount Horeb Street, Suffolk
$395,000
3 Beds ⋅ 2.1 Baths ⋅ 10653412 MLS
This 3-bedroom home features an open-concept kitchen with stainless steel appliances and adjoining living areas. The primary bedroom includes a cathedral ceiling and spacious walk-in closet. The primary bathroom offers a jetted tub and dual-sink vanity. The property provides a country setting with surrounding landscape and is located within driving distance of shopping, restaurants, hospitals, and other area amenities. Schedule your showing today!

214 Veterans Court, Suffolk
$430,000
4 Beds ⋅ 2 Baths ⋅ 10653268 MLS
Looking for the perfect blend of convenience and country living? This incredible property has it all! Built in 2019, this well-maintained home features 4 bedrooms, 2 full bathrooms, and an inviting open-concept layout that is great for entertaining or gathering around the kitchen island with family and friends. The spacious primary suite offers plenty of room to relax, along with a large walk-in closet and a bathroom featuring dual sinks. A convenient pantry and separate laundry room provide plenty of additional storage and functionality throughout the home. Step outside and enjoy the covered back deck overlooking your beautiful, nearly 2-acre property. Whether you're relaxing at the end of the day, entertaining guests, or simply enjoying the peace and privacy of country living, this outdoor space is sure to impress. The property also includes a spacious 24' x 36' detached garage with power, providing plenty of room for vehicles, hobbies, equipment, or additional storage.

220 Kingsale Road, Suffolk
$390,000
3 Beds ⋅ 2.1 Baths ⋅ 10653257 MLS
Take a look at this beautiful home located in Steeplechase! This lovely home offers a brand new roof (2026), spacious floor plan, the living room includes a built in book case, gas fireplace and tons of natural lighting, primary bedroom with vaulted ceilings and walk in closets. first floor laundry room, 2 car garage and an enormous fenced in backyard perfect for cookouts & entertainment. Conveniently located in close proximity to the community pool, clubhouse, playgrounds, walking paths and much more - all included in the HOA fees! Truly a Must See! Call today to view on the inside before this great home is Sold! Less than one mile from Bennetts Creek Park, Creekside Elementary School, North Suffolk Library & Bennetts Creek Rec Center.

3607 Corral Cove, Suffolk
$675,000
4 Beds ⋅ 3.1 Baths ⋅ 10652749 MLS
Discover the space, privacy, and possibilities of country living at 3954 Vicksburg Road in Suffolk, Virginia. Situated on approximately 7 acres on a large corner lot, this 4-bedroom, 3.5-bath home offers the rare opportunity to enjoy peaceful rural living while still calling Suffolk home. Looking for a home with acreage in Suffolk, VA, room for horses, or space for your chickens and livestock? This property delivers. With seven acres to enjoy, there is plenty of room to create the lifestyle you have been searching for—whether that means horses in the pasture, a backyard homestead, gardening, outdoor recreation, or simply having more space between you and your neighbors. One standout feature is the impressive 30’ x 50’ detached workshop with three garage doors. Whether you need space for vehicles, equipment, hobbies, a home workshop, storage, or your next project, this versatile building adds tremendous functionality. The property also features a memorial stone, adding a unique piece of history and character to the land. With 4 bedrooms, 3.5 bathrooms, approximately 7 acres, livestock possibilities, a large detached workshop, and a spacious corner setting, 3954 Vicksburg Road offers a combination that can be difficult to find in Suffolk. If you have been searching for a Suffolk, Virginia home with acreage, a horse-friendly property, a home with a detached workshop, or peaceful country living with room to spread out, this is one you will want to see. This home gives family gatherings a whole new meaning with 3 ovens for cooking and a first-floor bedroom ensuite other than the primary for multi-generational living options. Country living. Seven acres. Room for horses and livestock. A 30’ x 50’ workshop. And a place to truly make your own. Welcome home to 3954 Vicksburg Road, Suffolk, VA.

3954 Vicksburg Road, Suffolk
$389,000
4 Beds ⋅ 2 Baths ⋅ 10652846 MLS
Welcome home to this beautifully renovated 4-bedroom, 2-bath brick ranch offering comfortable one-level living and a move-in-ready interior. The open-concept layout creates a welcoming flow between the living, dining, and kitchen areas, making everyday living and entertaining a breeze. The renovated kitchen features brand-new cabinetry, granite countertops, and a spacious layout that blends style and functionality. LVP flooring throughout adds a fresh, modern touch while offering easy maintenance. Outside, enjoy a fenced backyard screened in porch with plenty of room for pets, play, gardening, or relaxing. Two storage sheds provide additional storage, and the 3rd one is truly a standout feature—it has electrical, is heated and cooled, and finished as a dedicated office space, great for working from home, hobbies, or a private retreat. Located in a desirable school district and offering quality updates throughout, this home combines convenience, functionality & peace of mind.

123 Deborah Drive, Suffolk
$435,000
5 Beds ⋅ 2.1 Baths ⋅ 10652590 MLS
Spacious 2-story, traditional home offering 5 bedrooms and 2.5 baths, approx. 2500+ sq ft. This lovely home has a formal dining room, formal sitting area/library, large family room off of the kitchen with newer stainless steel appliances including brand new refrigerator and a sunroom for additional living space. Large primary bedroom with ensuite and a 1st floor bedroom. Outside offers a fenced backyard with pergola over the patio for entertaining. This home is located near Route 58 to be anywhere in Hampton Roads within minutes and conveniently located near shopping and restaurants. Schedule your appointment TODAY!!!

215 Tracy Drive, Suffolk
$169,000
2 Beds ⋅ 1 Baths ⋅ 10652771 MLS
Offering one-level living, this refreshed home pops with updated laminate flooring throughout, crisp new paint, a new water heater, sleek stainless-steel appliances, and eye-catching granite countertops. Easy to show and an exciting opportunity for first-time buyers or experienced investors.

821 Kilby Avenue, Suffolk
$1,650,000
5 Beds ⋅ 4.1 Baths ⋅ 10652538 MLS
Multi-generational living alongside deepwater access on Bennetts Creek, awaits your buyers! Head outside into a private backyard retreat built for both relaxation and unforgettable entertaining. The custom 48-foot “lazy L” saltwater pool is the centerpiece, complete with a diving board and elegant water shooters that bring movement and energy to the space. Surrounded by premium travertine decking, the entire outdoor area feels elevated, clean, and built to last, staying cool to the touch while delivering a high-end finish throughout. The 16x16 pergola-covered entertainment area creates a natural gathering space, perfectly paired with a fully equipped outdoor kitchen featuring a built-in grill and bar seating. Whether you're hosting game day, a summer cookout, or a quiet evening with family, this space is designed to bring people together effortlessly. This backyard isn’t just an upgrade, it’s a complete outdoor living experience that turns everyday life into a resort-style escape.

200 Ashby Court, Suffolk
$339,900
4 Beds ⋅ 2.1 Baths ⋅ 10651970 MLS
Renovated Suffolk home with extensive recent updates throughout. Major improvements include a new roof, new HVAC system, and new windows. The interior features fresh paint, new carpets, updated light fixtures, and renovated kitchen and bathrooms. The kitchen includes quartz countertops, new appliances, updated cabinetry, and modern finishes. Outside, the home offers a large covered front porch, fresh landscaping, a long driveway with ample off-street parking, and a detached storage shed. The combination of major system upgrades and interior renovations makes this home truly move-in ready. Convenient Suffolk location with access to nearby shopping, dining, and major roadways. This will NOT LAST!

310 S Main Street, Suffolk
$500,000
5 Beds ⋅ 3 Baths ⋅ 10652399 MLS
GO INTO A PIECE OF SUFFOLK HISTORY! This captivating 1906 Victorian style home is filled with timeless character and architectural charm. A beautiful wraparound porch, detailed columns and distinctive rooflines create unforgettable curb appeal. Inside, soaring high ceilings, original wood flooring, beautiful fireplaces and a stunning stained glass window in the hallway showcase craftwork rarely found today. Offering 5 bedrooms and 3 baths, plus flexible space that could serve as a first floor bedroom, office or sitting room. The walk in basement provides additional storage and sheltered space during severe weather. Outside, the backyard features a charming cabana, great for relaxing & entertaining. A once in a lifetime opportunity to own a home with history, character and a story waiting for its next chapter!

207 S Broad Street, Suffolk
$315,000
3 Beds ⋅ 2.1 Baths ⋅ 10652278 MLS
Welcome to 34 Cecelia Way! This end-unit, three-story townhouse offers 3 bedrooms, 2.5 baths and a layout with plenty of flexibility. The first floor features a spacious bonus area that can be used as a home office, workout space, study, or additional living area. The second floor offers an open-concept living and dining area that flows into the kitchen, featuring ample cabinet and counter space. Just off the dining area, a private balcony provides additional outdoor living space. Upstairs, the third floor features the primary suite with a private bath and ample closet space, along with two additional bedrooms and a full bath. An attached one-car garage and two-car driveway provide additional parking and storage options. As an end unit, the home also offers additional windows and natural light. Conveniently located near shopping, dining, and major roadways. Schedule your private showing of 34 Cecelia Way today!

34 Cecelia Way, Suffolk
$655,900
5 Beds ⋅ 3 Baths ⋅ 10652080 MLS
Welcome to the Victory Model, a beautifully crafted new construction home situated on a spacious 0.89-acre lot. This thoughtfully designed residence features 5 bedrooms, 3 full bathrooms, an open-concept floor plan, spacious living and dining areas, and a luxurious primary suite with a private bath and his and hers walk-in closet. Enjoy quality finishes throughout, including quartz countertops, stainless steel appliances, 42-inch cabinetry, tile backsplash, luxury flooring, designer finishes, and much more. Combining modern style, quality craftsmanship, and functional living spaces, this move-in-ready home offers the perfect blend of comfort and elegance. Don't miss the opportunity to own this exceptional new home! Don't forget to ask about Builder incentives too!

993 Pitchkettle Road, Suffolk
$533,000
4 Beds ⋅ 3 Baths ⋅ 10651937 MLS
READY TO MOVE IN, but builder is flexible with contingent offers. Enjoy low maintenance living and get away from the mowing, weeding, seeding, back breaking raking and enjoy sitting around the pool or whatever else you would prefer to do instead. The Retreat at Harbour Cove is a 55+ active adult community located in the sought after Harbourview area of Suffolk. You will appreciate the quality of construction and attention to detail by our builder who has deep roots in the local community. We also have other floor plans, all of which have the primary bedroom on the first floor, and varied construction timelines. Ask our sales team about current builder offerings. Model open daily 12-5pm. 1103 Elaina Pl Suffolk VA

2061 Asher (Lot 6) Drive, Suffolk
$499,999
4 Beds ⋅ 2.1 Baths ⋅ 10651782 MLS
Welcome to 111 Brookside Lane! This spacious home offers plenty of room to spread out, with a flexible floor plan designed for everyday living, entertaining, working from home, and more. The home features generous living spaces, a functional layout, and solar panels that provide an opportunity for increased energy efficiency and potential utility savings. There’s no shortage of options for guest rooms, home offices, hobby spaces, or multigenerational living. Conveniently located near shopping, dining, schools, and major roadways, this home combines space, versatility, and convenience. Schedule your private showing today and see everything 111 Brookside Lane has to offer!

111 Brookside Lane, Suffolk
$410,000
4 Beds ⋅ 2.1 Baths ⋅ 10651694 MLS
Welcome to this beautiful 4 br, 2.5 bath home located in a highly desirable Kings Fork Farms! As you step inside, you'll be greeted by a spacious living rm with cathedral ceilings. The adjacent dining rm is great for hosting dinner parties or family gatherings. The kitchen comes equipped with all appliances, including a bar and pantry, making meal preparation and storage a breeze. The family rm features a cozy gas fireplace, built-in shelves, and a sliding glass door leading to a fenced-in side yard. LVP flooring installed in 2022. The primary suite with a sitting area featuring a gas fireplace and ensuite. The condo amenities include a clubhouse, 3 pools, 2 playgrounds, and a large open area with a pavilion for hosting various events. This home is conveniently located near restaurants, Obici Hospital, shopping and Publix!

3210 Duke Of Glouchester Drive, Suffolk

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.