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4 Kenan Court, Hampton Mercury North
$545,000
4 Beds ⋅ 2.1 Baths ⋅ 10657546 MLS
Shows Like a Model Home! Beautifully maintained 4-bedroom home nestled on a cul-de-sac in the small, quiet neighborhood of Reeds Landing. From the charming front porch to the inviting interior, this home offers a wonderful blend of comfort, style, and functionality. The carpet-free interior showcases beautiful hardwood flooring and an attractive, flowing layout ideal for everyday living and entertaining. The kitchen features granite countertops, stylish cabinetry, stainless steel appliances, recessed lighting, elegant pendant lights, and ample workspace, flowing seamlessly into the breakfast nook and family room with its cozy gas fireplace. The impressive 12 x 20 heated and cooled sunroom, complete with luxury vinyl plank flooring, provides additional living space to enjoy throughout the year. The spacious primary suite offers a relaxing sitting area and a beautifully appointed bath featuring a double vanity, gorgeous tiled shower with glass door, and a separate tub. With its exceptional presentation, inviting living spaces, and desirable cul-de-sac location, this home is ready to welcome its next owner!

4 Kenan Court, Hampton Mercury North
14 Woodburn Drive, Hampton East
$295,000
3 Beds ⋅ 1 Baths ⋅ 10657592 MLS
Great property in excellent condition featuring flowing floor plan with a converted garage with fireplace, eat in kitchen with updated cabinets, Large bedroom . Exterior of the property features a large backyard with a deck off the sunroom and patio and two storage sheds with power great area to entertain family and friends.

14 Woodburn Drive, Hampton East
956 Allendale Drive, Hampton Langley
$320,000
2 Beds ⋅ 2.1 Baths ⋅ 10657391 MLS
Enjoy Comfortable Living in Inlet Point! Welcome to this charming 2-bedroom, 2.5-bathroom end-unit townhome offering comfort, versatility, and desirable community amenities. Cozy up by the fireplace, enjoy the additional living space provided by the loft, or relax outdoors on your private patio or the deck. A convenient one-car garage adds extra storage and everyday functionality. Enjoy the added benefits of community ground maintenance and access to a boat dock, making it easy to spend more time enjoying the outdoors and life on the water. With its inviting features and low-maintenance lifestyle, this Inlet Point townhome is a wonderful place to call home. Schedule your showing today!

956 Allendale Drive, Hampton Langley
200 Antietam Court, Hampton Langley
$390,000
5 Beds ⋅ 2.1 Baths ⋅ 10657206 MLS
Welcome to 200 Antietam Court, a beautifully updated 4-bedroom, 2.5-bath home offering 2,234 square feet in Hampton's established Willow Oaks neighborhood. Built in 1966, this inviting home combines classic character with thoughtful modern updates throughout. The refreshed kitchen features new tile flooring, a granite island, butcher block countertops, refinished cabinetry, a farmhouse sink, and new stainless steel appliances, creating an attractive space for everyday living and entertaining. Bathrooms have been tastefully updated with new tile, vanities, toilets, and tub/shower improvements. Fresh interior paint throughout provides a bright, clean feel, while new carpeting on the stairs and in the primary bedroom adds warmth and comfort. New ceiling fans throughout complete the home's many improvements. With generous living space, four bedrooms, and extensive updates, this move-in-ready home offers an appealing blend of established neighborhood charm and modern convenience.

200 Antietam Court, Hampton Langley
1704 Neptune Drive, Hampton Mercury South
$474,000
4 Beds ⋅ 3.1 Baths ⋅ 10657218 MLS
SPACIOUS CAPE COD with Fresh Paint & New Carpet, Eat-In Kitchen with New Granite Countertops & Stainless Steel Appliances, Large Family Room with Fireplace, Sunroom with Easy Access to Large Deck. 1st Floor Primary Suite with Sitting Area & Private Bath with Garden Tub, Double Vanities, & Separate Shower. Additional Bedroom & Full Bath on 1st Floor, 2 Bedrooms & Full Bath on 2nd Floor. Oversized 2 Car Garage & Private Backyard. Located in Established Neighborhood Convenient to Shopping, Dining, & Easy Access to I-664.

1704 Neptune Drive, Hampton Mercury South
940 Allendale Drive, Hampton Langley
$300,000
3 Beds ⋅ 2.1 Baths ⋅ 10657131 MLS
Welcome to 940 Allendale Drive! This beautifully maintained townhome offers stylish updates, comfortable living spaces, and desirable community amenities! Step inside to discover fresh interior paint, luxury vinyl plank (LVP) flooring, and plush carpeting, all updated in 2025. The inviting living room features a cozy fireplace with built-in shelving, while the spacious dining area is perfect for entertaining. The kitchen boasts freshly painted white cabinets, a NEW gas stove/oven, NEW refrigerator, stainless steel appliances, and a charming breakfast nook with an arched window. Upstairs, the primary bedroom features a vaulted ceiling and a PRIVATE BALCONY, perfect for morning coffee or evening relaxation. Additional highlights include updated bathroom vanities, a NEW ROOF, and a NEW FURNACE BLOWER in 2026. Enjoy access to a PRIVATE COMMUNITY DOCK and embrace the coastal lifestyle! Conveniently located near shopping, dining, and entertainment, this move-in-ready Hampton gem is one you won't want to miss!

940 Allendale Drive, Hampton Langley
102 Pear Avenue, Hampton West
$250,000
3 Beds ⋅ 1 Baths ⋅ 10656986 MLS
Darling house in the fantastic, sought-after neighborhood of Wythe in Hampton! Move in ready, but with room to add your own touch, this charming 1931 home offers 3 bedrooms, 1 bathroom, original hardwood flooring, a spacious backyard with detached garage, and charm galore! In close proximity to walking trails, the water, Bluebird Gap Farm, Downtown Hampton, the Shipyard and the Coliseum, this home offers a tranquil vibe while still being conveniently located!

102 Pear Avenue, Hampton West
28 Gallaer Court, Hampton Mercury North
$400,000
4 Beds ⋅ 2.1 Baths ⋅ 10656748 MLS
Big upgrades, a large lot, and a setting you'll love! Tucked on a cul-de-sac in a beautiful, established neighborhood, 28 Gallaer Ct offers a privacy buffer and plenty of outdoor space to relax or entertain. Enjoy a NEW ROOF (2024), HVAC & FURNACE REPLACED (2024), all NEW smart appliances, and all-new gutters with gutter guards. Brand-new vinyl fencing adds a fresh, finished touch, while custom blinds throughout bring style and everyday convenience. The kitchen features granite countertops, pairing timeless appeal with modern functionality. Conveniently located near Langley Air Force Base, with access to I-64 for travel to Fort Eustis and other Hampton Roads military installations. With major updates already in place, this home offers comfort, convenience, and room to enjoy it all. Schedule your tour today!

28 Gallaer Court, Hampton Mercury North
4 Bramston Drive, Hampton Langley
$330,000
5 Beds ⋅ 2 Baths ⋅ 10656486 MLS
Welcome home! This charming 5-bedroom, 2-bath home offers 1,746 square feet of living space and sits on approximately 0.28 acres. Built in 1965 and tucked away on a quiet street in the heart of Hampton, this home offers a great combination of space, location, and convenience.Enjoy easy access to I-64 and close proximity to Langley Air Force Base, Downtown Hampton, Hampton Coliseum, Langley Speedway, Air Power Park, local golf courses, shopping, dining, entertainment, and so much more.With five bedrooms, plenty of living space, and a spacious lot, this home is ready for its next owner to make it their own. Don’t miss your opportunity—schedule your showing today and come see everything this Hampton home has to offer!

4 Bramston Drive, Hampton Langley
49 Miles Cary Mews, Hampton West
$320,000
3 Beds ⋅ 3.1 Baths ⋅ 10656512 MLS
Welcome to 49 Miles Cary Mews, Hampton, VA 23669, a beautifully designed townhome offering spacious living, timeless finishes, and inviting indoor-outdoor spaces. Step inside to a bright, open-concept main level where rich hardwood flooring flows through the living and dining areas, creating a warm and polished backdrop for everyday living and entertaining. The living room features a cozy fireplace and abundant natural light, while the adjoining dining area offers plenty of space for gatherings. The kitchen is the heart of the home, showcasing handsome wood cabinetry, granite countertops, stainless steel appliances, recessed lighting, pendant lights, and an expansive breakfast bar with generous prep and seating space. Its open layout keeps the cook connected to the rest of the main living area and makes hosting effortless. Upstairs, the home continues to offer comfortable, flexible living spaces ready for your personal touch. The spacious bedroom provides excellent room for a relaxing retreat, home office setup, or additional sitting area. The full bath features a large vanity, tub/shower combination, tiled flooring, and ample lighting. One of the standout features is the private elevated deck, accessible through French doors and perfect for morning coffee, evening sunsets, or outdoor dining. Enjoy peaceful views overlooking mature trees and the surrounding community. The attached garage and driveway provide convenient parking and additional storage, while the multi-level layout gives the home a sense of separation and privacy. Located in an established Hampton community, 49 Miles Cary Mews offers the comfort of low-maintenance townhome living with convenient access to shopping, dining, entertainment, major roadways, and everything Hampton has to offer. With its open floor plan, inviting fireplace, spacious kitchen, outdoor deck, and attached garage, this home is ready for its next owner to make it their own.

49 Miles Cary Mews, Hampton West
616 Big Bethel Road, Hampton Mercury North
$329,900
4 Beds ⋅ 3 Baths ⋅ 10656454 MLS
Come see this beautiful brick home first. This 4 Bedroom, 3 Full bath home is waiting for you. There is a private bed/bath at one end of the home that would be perfect for an in-law suite. The kitchen has so much storage and custom touches with the cabinetry. New carpet 2026, New HVAC 2020, New deck out back and handrails this year. Roof in July 2021, stovetop, dishwasher and refrigerator in the last few years. This one will not last long, call soon!

616 Big Bethel Road, Hampton Mercury North
6 Madison Chase, Hampton Mercury North
$225,000
3 Beds ⋅ 2.1 Baths ⋅ 10655772 MLS
Hi there. Calling all investors seeking a well maintained townhome with a current tenant paying monthly. Are you looking for a great hold? This property is close to LAFB, Sentara Careplex Hampton, Virginia Peninsula Community College, Hampton University. Who's looking for another door to add to your portfolio with great potential? Reach out to schedule your tour.

6 Madison Chase, Hampton Mercury North
120 Deerfield Boulevard, Hampton Langley
$380,000
4 Beds ⋅ 2.1 Baths ⋅ 10655961 MLS
Welcome to this charming 2-story Colonial-style home featuring 4 bedrooms and convenient access to Langley Air Force Base, NASA, shopping, dining, and major interstates. Ideally located for an easy commute and everyday convenience. ***SQ.FT. PER CITY RECORDS*** ***PROPERTY TAXES PER CITY RECORDS***

120 Deerfield Boulevard, Hampton Langley
1011 High Dunes Quay, Hampton East
$315,000
3 Beds ⋅ 2.1 Baths ⋅ 10655809 MLS
Wake up to breathtaking sunrises and wind down with stunning sunsets, all from the comfort of this beautifully maintained 3-bedroom condo. Enjoy peaceful marina views from the back balcony and the soothing sound of the ocean from the front balcony, offering the best of coastal living from every angle.Located in a desirable gated community, this move-in-ready home has been thoughtfully upgraded throughout by the current owners, creating a stylish and comfortable retreat. Being sold furnished, this turnkey property is ready for you to start enjoying immediately—whether as a primary residence, or a vacation getaway. Don't miss your chance to own a piece of paradise where every day feels like a vacation.

1011 High Dunes Quay, Hampton East
4 Walters Lane, Hampton Langley
$379,900
3 Beds ⋅ 2.1 Baths ⋅ 10655457 MLS
Welcome home to this spacious 3-bedroom, 2.5-bath home offering over 2,000 square feet of living space! Recent updates include a new upstairs HVAC system (2025), new dishwasher, gutters, and refreshed landscaping. Conveniently located just minutes from Langley Air Force Base, I-64, shopping, dining, and the Coliseum Central area. Come see all this home has to offer!

4 Walters Lane, Hampton Langley
705 Berkshire Terrace, Hampton Mercury North
$299,900
3 Beds ⋅ 1 Baths ⋅ 10655144 MLS
Welcome home to this beautifully updated 3-bedroom rancher! Features an open, sunlit living area, a large fully fenced backyard perfect for outdoor gatherings, and an oversized detached garage equipped with overhead storage and dedicated space for workshop or hobby projects. Single-story living at its finest. Move right in and start enjoying!

705 Berkshire Terrace, Hampton Mercury North
3 Thomas Athey Court, Hampton Mercury North
$400,000
3 Beds ⋅ 2 Baths ⋅ 10655255 MLS
Welcome to 3 Thomas Athey Ct., a well-maintained 3-bedroom, 2-bath home with a functional layout and plenty of indoor and outdoor space. The home features two living areas with vaulted ceilings, providing flexible space for relaxing or entertaining. The kitchen and breakfast nook offer abundant cabinetry, a center island, and a skylight for natural light. In the dining room, you'll find a charming bay window. Sliding glass doors open to the fully fenced backyard with a deck and covered pavilion, creating an inviting setting for outdoor living and hosting. An attached two-car garage and wide driveway offer ample parking and convenience. With its functional interior layout, generous outdoor living spaces, and convenient location, 3 Thomas Athey Ct. is ready to welcome you home!

3 Thomas Athey Court, Hampton Mercury North
1003 High Dunes Quay Unit 206, Hampton East
$285,000
2 Beds ⋅ 2 Baths ⋅ 10655196 MLS
Enjoy coastal living at its finest in the gated Salt Ponds on the Bay community in Hampton's Buckroe Beach area! This bright & airy end-unit condo offers one-level living with an open-concept design. The eat-in kitchen features white cabinetry, granite countertops, tiled backsplash, bar seating, stainless steel appliances & a wine fridge. The spacious living & dining areas share a two-sided gas fireplace & open to a private balcony overlooking Salt Ponds Marina. The primary suite also offers balcony access, a large walk-in closet & a beautifully updated ensuite with a double sink vanity, jetted tub, separate shower & charming barn door. Storage closet on balcony plus bike racks on the first level. Walk to the beach & Salt Ponds Marina & enjoy being just minutes from parks, fishing pier, dining, shopping, golf, Langley AFB & I-64. Condo fee includes master insurance, water, sewer, trash, exterior building & grounds maintenance. Seller is offering a lender incentive equal to 1% of the buyers loan amount toward an interest-rate reduction or eligible closing costs when buyer uses the preferred lender. Contact listing agent for details.

1003 High Dunes Quay Unit 206, Hampton East
1030 Porte Harbour Arch, Hampton East
$300,000
2 Beds ⋅ 2.1 Baths ⋅ 10654589 MLS
Bayviews and sunsets at Buckroe! Enjoy the best of coastal living in this beautiful move in ready townhome in a gated community.. Take in the beautiful view of the Bay while enjoying stunning sunsets from your private balcony. Inside, modern finishes include quartz countertops, new LVP flooring, shiplap accents, and a striking glass-bottom gas fireplace. Two spacious primary suites each feature a private balcony and full bath. Perfect for a primary or second home. Come live the beach life at Buckroe Beach!

1030 Porte Harbour Arch, Hampton East
19 Brough Lane, Hampton West
$700,000
3 Beds ⋅ 2.1 Baths ⋅ 10654761 MLS
Not a CONDO! Enjoy owning one of the FEW Simple Ownership Custom Homes in the highly desired neighborhood of Pooles Grant. Experience the best of coastal living at 19 Brough Lane, a spacious 3 bed/2.5 bath home offering approximately 2,400 square feet of living. Custom-built in 2020, this stunning modern residence showcases luxury finishes throughout, soaring ceilings, beautifully appointed bathrooms, and a chef’s dream kitchen designed for both everyday living and effortless entertaining. An inviting gas fireplace adds warmth and ambiance, while the deck provides the perfect setting to unwind and enjoy the coastal breeze. Combining modern elegance with an exceptional boating lifestyle, this home offers the availability of a deepwater boat slip accommodating vessels up to 50 feet in length. The community features a newly renovated swimming pool and a clubhouse currently undergoing a FULL renovation, while additional conveniences include a covered carport, one dedicated storage unit, two guest parking spaces, and an EV charger. Come experience this desirable waterfront community lifestyle with exceptional amenities and plenty of space to relax, entertain, and enjoy everything Hampton has to offer.

19 Brough Lane, Hampton West
117 Grays Landing, Hampton Mercury North
$375,000
3 Beds ⋅ 2.1 Baths ⋅ 10654483 MLS
Welcome to sought after Michaels Woods! This move-in ready tri-level home features a large living room. family room, open dining room and a spacious eat in kitchen. This home is conveniently located to shopping, entertainment, NASA Langley, Langley AFB, the interstate and more.

117 Grays Landing, Hampton Mercury North
48 Cornwall Terrace, Hampton Mercury North
$395,000
4 Beds ⋅ 2 Baths ⋅ 10654551 MLS
Room to spread out, space to gather, and updates already done, this remodeled brick ranch offers flexible living with NO HOA.  The home features a remarkable 1,164 sq. ft. primary suite with private sitting room, gas fireplace, oversized closet and en-suite bath, creating a retreat with excellent separation from the three additional bedrooms. The updated kitchen offers soft-close cabinetry, granite countertops, stainless steel appliances, gas range and a comfortable eat-in area. A spacious family room with stone gas fireplace and abundant natural light makes everyday living feel warm and inviting. Recent improvements include roof, flooring, interior and exterior paint, plus a 2026 HVAC system serving the addition with a 10-year warranty. Outside, enjoy a covered patio, outdoor wood-burning stove and two detached sheds for storage, hobbies or workshop space. Convenient to Langley AFB, shipyards, shopping, dining and entertainment.

48 Cornwall Terrace, Hampton Mercury North
1563 N King Street Unit 109, Hampton Langley
$138,000
2 Beds ⋅ 2 Baths ⋅ 10654415 MLS
Charming one-level condo with 2 bedrooms, 2 baths, and water views. All appliances convey, fresh paint and carpet; move-in ready or a great investment property.Located just outside the King Street gate of Langley AFB, minutes from shopping, dining, highways, and area beaches (Grandview, Buckroe, Fort Monroe). Enjoy balcony views and private pier for fishing and peaceful water views.A little personal touch turns this into your cozy waterfront retreat or a standout investment. Don't miss this one!

1563 N King Street Unit 109, Hampton Langley
68 Michaels Woods Drive, Hampton Mercury North
$399,900
3 Beds ⋅ 2.1 Baths ⋅ 10654411 MLS
Hi, I’m 68 Michaels Woods Drive, and I’m ready to welcome my next family home! I already miss the pitter-patter of little feet running through my halls, the laughter filling my rooms, and the joy of friends and family gathering together. I’ve loved cozy evenings around one of my two fireplaces, sharing meals and making memories in my spacious kitchen, and relaxing on my screened-in back porch. My huge, fully fenced backyard is just waiting for kids to run, pets to play, and plenty of fun to unfold. I’ve been the setting for so many special moments, and I’m excited for my next chapter. I can’t wait to see the laughter, love, and memories my next family brings through my doors. Maybe you’re the one I’ve been waiting for!

68 Michaels Woods Drive, Hampton Mercury North
310 S Willard Avenue, Hampton East
$499,900
4 Beds ⋅ 3 Baths ⋅ 10654267 MLS
Exceptionally well-updated 4-bedroom, 3-bath home with water views! offering 2,297 sq ft, a detached garage, and a private backyard with an in-ground saltwater pool and pool house. The home features hardwood floors, abundant natural light, and a flexible layout designed for both everyday living and entertaining. The kitchen includes custom cabinetry, granite countertops, a double-basin sink, and a large pantry. The spacious primary suite offers generous closet space, sitting areas, and a private en-suite bath, while the upstairs bonus area provides flexibility for a home office, reading nook, lounge, or playroom. Outside, enjoy mature landscaping, multiple gathering spaces, and a resort-like setting centered around the pool. Conveniently located near historic Phoebus, Fort Monroe, beaches, fishing piers, festivals, and outdoor recreation. **Ask about recent appraisal! $10K Closing cost assistance with acceptable offer.

310 S Willard Avenue, Hampton East
133 Wythe Crescent Drive, Hampton West
$215,000
3 Beds ⋅ 1.1 Baths ⋅ 10654264 MLS
Charming 1940 ranch-style home offering 1,341 sq ft with 3 bedrooms, 1 full bath, and the existing workings for a second half bath. Featuring beautiful wood floors, a gas fireplace, and a flexible layout, including a garage converted to den/living space. The bright sunroom offers potential for an additional bedroom, office, or sitting area, while the enclosed porch provides comfortable all-season space. Enjoy the fenced backyard with privacy fencing, mature trees, creek-front setting, and a deck ideal for entertaining. A whole-house generator adds peace of mind. Public park around the corner. Conveniently located less than 15 minutes from Langley Air Force Base, Newport News Shipbuilding, the Hampton Roads Bridge-Tunnel, and the Monitor-Merrimac Bridge-Tunnel. A wonderful opportunity to own a home with character, privacy, and plenty of flexible living space. Sold as-is.

133 Wythe Crescent Drive, Hampton West
139 Powhatan Parkway, Hampton West
$337,000
3 Beds ⋅ 1.1 Baths ⋅ 10653756 MLS
Special Buyer Bonus: Use our preferred lender and get your Home Inspection and Appraisal PAID FOR! Don't miss out on this charming 3 bedroom 1.5 bathroom colonial home located in the historic Wythe neighborhood. Freshly painted inside and outside with hardwood floors throughout the downstairs area. In the kitchen you will find stainless steel appliances and custom wood columns in the living and dining room area. The master bedroom has a walk-in closet. In the backyard there's a large, covered porch and well-maintained yard great for entertaining or just relaxing. Dual zoned HVAC, new roof (2024) and new light fixtures. Blocks away from the bay and conveniently located to the interstate, Downtown Hampton, Peninsula Town Center and Coliseum Central area.

139 Powhatan Parkway, Hampton West
50 Ashe Meadows Drive, Hampton East
$595,000
6 Beds ⋅ 4.1 Baths ⋅ 10653835 MLS
Your search for the perfect home ends here! This enormous 6 bed/4.5 bath home has been recently improved with new downstairs windows (2025), a fully remodeled kitchen (2022), and a new HVAC system and water heater (2024). You'll love the spacious bedrooms, including 2 with Jack and Jill baths and an en suite primary bathroom. The huge driveway provides ample parking in addition to the garage, while the backyard offers a serene fishpond view, outdoor shower, and even a miniature ax-throwing range. Need extra space? The powered shed/workshop is perfect for hobbies, projects, or storage. Conveniently located just 7 minutes from Buckroe Beach, this home is ideal for multi-generational living or any family looking to enjoy the grander comforts in life. Don't let this one slip away from you!

50 Ashe Meadows Drive, Hampton East
14 Treebark Place, Hampton Mercury North
$265,000
3 Beds ⋅ 2 Baths ⋅ 10653803 MLS
Welcome Home to comfort, flexibility, and space to fit the way you live! This beautifully maintained townhome features an inviting open floor plan designed for easy living and entertaining. The spacious living area offers a cozy fireplace and beautiful laminate wood flooring, creating a warm and welcoming place to relax. The first floor features a comfortable bedroom and full bath, plus a versatile third room that can be used as a home office, study, guest space, or 3rd bedroom. Upstairs, you'll find a bedroom and bath for added privacy. Enjoy sunny days at the community pool or clubhouse. Conveniently located near shopping, dining, entertainment, and major highways. Come see all this home has to offer and imagine making it your own!

14 Treebark Place, Hampton Mercury North
15 Ruth Circle, Hampton Mercury North
$450,000
4 Beds ⋅ 2.1 Baths ⋅ 10653436 MLS
Welcome to 15 Ruth Circle Hampton VA 23666, exceptional location in the Michaels Woods community. This one owner well maintained home features the first floor open-concept designed offers a seamless flow, with the chefs kitchen is the heart of the home, features granite counter tops, double oven, up graded cabinets, stainless steel appliances and recessed lighting. Bluetooth capability with ovens, washing machine and dryer....Step down into the gathering room featuring a fireplace and custom built-in cabinets. Also, formal living room & dining room for special gatherings.. The primary suite located on the 2nd floor features a cathedral ceiling, a luxurious inspired ensuite with double sinks, jetted tub and separate shower. Enjoy the extra-large dressing room with a make-up area and plenty of closet space. Finally, relax on the covered porch or large backyard deck. Conveniently located in the best school district, close to all bases, parks, shopping and hospitals. Perfect blend of modern comfort, coastal living and everyday convenience. Call today for a showing!

15 Ruth Circle, Hampton Mercury North

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.