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$464,900
3 Beds ⋅ 2.1 Baths ⋅ 10648866 MLS
Experience low-maintenance living at its finest in this beautifully appointed home in the heart of Chesapeake. Built in 2019, this 3-bed, 2.5-bath residence offers a modern, open-concept design w/stylish finishes and thoughtful details throughout. The spacious main living area flows seamlessly into a well-designed kitchen. A first-floor primary suite provides comfort and convenience, while additional bedrooms offer flexibility for guests, a home office, or hobbies. Enjoy the ease of a low-maintenance lifestyle with community amenities that elevate everyday living, all in a sought-after location near shopping, dining, and top conveniences. This is the perfect blend of comfort, style, and simplicity, great for those ready to enjoy more and maintain less.

419 Heartfield Drive, South Chesapeake
$423,900
3 Beds ⋅ 2.1 Baths ⋅ 10649280 MLS
Welcome to this beautifully maintained home in the highly sought after Cardinal Meadows neighborhood! A bright, open layout designed for comfortable everyday living and effortless entertaining. The kitchen features granite countertops, ample workspace, and flows seamlessly into the main living areas. Natural light throughout creates a warm and inviting atmosphere. Move-in ready and waiting for its new owners, this home offers the perfect combination of comfort, style, and functionality. Schedule your private showing today and see all that this low maintenance home has to offer!

1625 Redwing Arcade, South Chesapeake
$359,900
3 Beds ⋅ 2 Baths ⋅ 10648847 MLS
PARK YOUR BOAT HERE! Enjoy waterfront living in the heart of Great Bridge. This beautifully maintained 3BR/2BA condo offers an open floor plan and a private balcony with harbor views. The spacious primary suite includes a walk-in closet, double vanity, soaking tub, and separate shower. Sale includes a boat slip in the protected private harbor, two reserved parking spaces, and assigned storage. Community amenities include elevator access, pool, clubhouse, gazebo, grilling area, kayak storage, and docks. Exceptionally clean and move-in ready with plenty of opportunity to make it your own!

5 Harbor Watch Dr Unit 413, South Chesapeake
$420,000
3 Beds ⋅ 2.1 Baths ⋅ 10649201 MLS
Like New Construction! Nestled in the highly sought-after Grassfield area of Chesapeake. Welcome home to this stunning two-story townhome featuring modern finishes and a functional open layout. The kitchen features white shaker cabinets, quartz countertops, and a generous island. Upstairs, you’ll find the primary suite includes 2 spacious closets and a private en-suite bathroom. Additional bedrooms offer flexibility for guests, a home office, playroom, etc. Come home to a neighborhood with top-rated schools, parks, walking trails, and easy access to shopping, dining, and major highways.

1605 Redwing Arch, South Chesapeake
$434,900
3 Beds ⋅ 2.1 Baths ⋅ 10648817 MLS
Welcome to Bryan's Cove, where low-maintenance living meets exceptional community amenities in the heart of Chesapeake. This beautifully maintained townhome features a first-floor primary suite and an open-concept layout designed for both everyday living and entertaining. The kitchen offers stainless steel appliances, a pantry, peninsula seating, subway tile backsplash, and opens to the dining area and spacious living room highlighted by a custom floor-to-ceiling shiplap fireplace with floating wood shelving. The heated and cooled sunroom provides additional year-round living space, while luxury vinyl plank flooring, a custom frosted glass barn door leading to the primary bath, premium window treatments, and a smart thermostat add thoughtful style and convenience throughout. Outside, enjoy a fully fenced backyard with a stamped concrete patio, pergola, professional landscaping, and attached 2-car garage. Bryan's Cove offers resort-style amenities including a clubhouse, pool, fitness center, playgrounds, and access to the Elizabeth River, all with no flood insurance required. Conveniently located near shopping, dining, interstates, and military bases, this home is ready for its next owner. Incentives may be available through preferred partners. Contact listing agent for details and eligibility. Some photos are virtually staged.

1720 Barkadeer Cove, South Chesapeake
$449,900
3 Beds ⋅ 3.1 Baths ⋅ 10648781 MLS
One of the best homesites in Bryan's Cove! This meticulously maintained end-unit townhome offers exceptional privacy with no neighboring buildings beside or behind it, overlooking the peaceful woods and green space. Enjoy a larger fenced backyard, private composite balcony, guest parking just steps away, and an attached two-car garage. Thoughtfully selected builder upgrades include quartz countertops, upgraded cabinetry, LVP flooring throughout, double wall ovens, upgraded appliances, added lighting, ceiling fans in every room, and a gas tankless water heater. The versatile first-floor flex space with a full bath is perfect for a guest suite, rec room, home office, or fourth bedroom. The primary suite features tray ceilings, a walk-in closet, and an en-suite bath with a double vanity, soaking tub, and shower. Located in sought-after Grassfield, Bryan's Cove offers resort-style amenities including a clubhouse, pool, fitness center, dog parks, playgrounds, beach and dock with private access to the Elizabeth River.

954 Gabion Way, South Chesapeake
$235,000
2 Beds ⋅ 2.1 Baths ⋅ 10648771 MLS
Welcome to this Townhouse-style condo in the Willow Point neighborhood of Riverwalk! The functional floor plan provides comfortable everyday living. 2 Bedrooms on the 2nd floor along with 2 Full-Baths with a convenient powder room on the 1st floor. Easy access to shopping, parks, and major interstates. Appliances (conveys as-is) and gas-log fireplaces require a propane tank (no tank connected) conveys strictly "as-is."

710 Willow Green Court, South Chesapeake
$295,000
3 Beds ⋅ 2 Baths ⋅ 10648784 MLS
Welcome to 1 Sandy Point Lane Unit 216, where comfort, convenience, and move in ready living come together! Freshly updated with brand new carpet throughout, this well maintained condo has been professionally cleaned and is ready for its new owner. Enjoy a bright, inviting interior with a functional layout for relaxing or entertaining. Whether you are a first time buyer, downsizing, or looking for a low maintenance lifestyle, this home offers the perfect opportunity. Conveniently located near shopping, dining, parks, and major interstates, you will love the ease of everyday living. Simply unpack and start enjoying your new home!

1 Sandy Point Lane Lane Unit 216, South Chesapeake
$537,900
3 Beds ⋅ 3.1 Baths ⋅ 10648704 MLS
To Be Built - Financing 5.75 rate, NO PMI! Minutes to Greenbrier - Joseph’s Meadow Site: 369 Scotland Lane or TOUR MODEL HOME: 910 Bernard Ln. Open Sat/Sun 12-4 - Award-winning builder - Sophisticated Row homes with upgraded building package - Airy 10’ ceilings with 9’ lower and upper floors - Oversized windows - Extensive hardwood - First-floor bedroom w/ensuite bath - 10x20 Covered porch and front porch - Chef’s kitchen: 10’ island, quartz counters, Custom hood, GE Cafe appliance package - Luxurious primary retreat w/two custom closets - Spa bath oversized tiled shower, dual heads, large niche and Dual vanities - Large laundry room - Secondary petite suite w/huge closet and ensuite bath - Nat. Gas Tankless water heater - Finished insulated 2-car garage - Professional ground maintenance - Be home for the holidays!

130 Lenas Way, South Chesapeake
$545,900
3 Beds ⋅ 3.1 Baths ⋅ 10648701 MLS
NOVEMBER MOVE IN - Financing 5.75 rate, NO PMI! End Unit! Mid-Century Coastal Design UPGRADES GALORE! Built by award-winning builder. Stunning home with curated features uniquely designed in this home. Extensive Mohawk flooring mid-level with Gourmet Kitchen with Custom hood, 10’ island, Quartz counters, GE Cafe 6 Burner Gas range, GE Cafe Dishwasher, and GE Cafe Microwave Drawer. 10' ceilings main, 9' First &Third Floors, Nat. Gas Tankless water heater, 2-zone HVAC. Primary bedroom with 2 custom closets and Spa ensuite bath. Second Petite Suite with ensuite bath and large walk-in closet. Large laundry room w/linen closet. First floor bedroom and bath! Extend your living on oversized Screened covered porch with composite decking. 2-car garage! LOW $95 condo fee- Cabana, Fire pits, Bocce ball and Professional landscape and lawn maintenance for easy living! Legacy is waiting for you!

916 Jennings Ln, South Chesapeake
$545,900
3 Beds ⋅ 3.1 Baths ⋅ 10648688 MLS
NOVEMBER MOVE IN - Financing 5.75 rate, NO PMI! End Unit! Modern Design UPGRADES GALORE! Built by award-winning builder. Stunning home with curated features uniquely designed in this home. Extensive Mohawk flooring mid-level with Gourmet Kitchen with Custom hood, 10’ island, Quartz counters, GE Cafe 6 Burner Gas range, GE Cafe Dishwasher, and GE Cafe Microwave Drawer. 10' ceilings main, 9' First & Third Floors, Nat. Gas Tankless water heater, 2-zone HVAC. Primary bedroom with 2 custom closets and Spa ensuite bath. Second Petite Suite with ensuite bath and large walk-in closet. Large laundry room w/linen closet. First floor bedroom with ensuite bath! Extend your living on oversized Screened covered porch with composite decking. 2-car garage! LOW $95 condo fee- Cabana, Fire pits, Bocce ball and Professional landscape and lawn maintenance for easy living! Legacy is waiting for you!

908 Jennings Ln, South Chesapeake
$379,900
3 Beds ⋅ 2.1 Baths ⋅ 10648393 MLS
Welcome to 852 Royal Grove Court, a beautifully maintained 3-bedroom, 2.5-bath townhome in Chesapeake, Virginia. Offering 1,847 square feet, an attached one-car garage, and an open floor plan, this home blends comfort, style, and convenience. The first-floor primary suite features private patio access, a walk-in closet, a jetted walk-in tub, and a separate shower. The updated kitchen includes granite countertops, stainless steel appliances, generous cabinet space, and hardwood flooring. The spacious living area is filled with natural light and features a cathedral ceiling, skylights, hardwood floors, and a gas fireplace. Upstairs offers two additional bedrooms and a large loft that is ideal for a home office, media room, or flex space. Relax or entertain on the private patio overlooking the fenced backyard. Conveniently located near Greenbrier shopping, restaurants, entertainment, military installations, and major Chesapeake highways.

852 Royal Grove Ty Court, South Chesapeake
$239,995
2 Beds ⋅ 2 Baths ⋅ 10648375 MLS
Spacious 2 bedroom/2 bath condo featuring an open floor plan and soaring cathedral ceilings. Bright end unit with abundant natural sunlight throughout. Well-designed layout for entertaining. Prime location with easy access to interstate, shopping, and restaurants. Property has been renovated with all new flooring, paint, kitchen cabinets and countertops, and bathroom vanities.

516 Rue Marseille, South Chesapeake
$225,000
2 Beds ⋅ 2 Baths ⋅ 10648189 MLS
Location, layout, and convenience! This Greenbrier condo checks all the boxes! This 2-bedroom, 2-bath home offers a unique two-level floor plan with an en-suite bedroom on each floor, giving you flexibility and privacy that’s hard to find. The downstairs suite is perfect for guests or convenient one-level living, while the upstairs suite offers its own private retreat. Reserved parking space #9 conveys, with the opportunity to purchase an additional space. And the location? Just minutes from the YMCA, shopping, restaurants, and all the everyday conveniences Greenbrier has to offer. Whether you're looking for a low-maintenance home, a smart investment, or a place that simply makes life a little easier, this one is worth a look!

1001 Saint Andrews Way Unit A, South Chesapeake
$238,900
3 Beds ⋅ 2 Baths ⋅ 10647761 MLS
Discover the perfect blend of modern updates and prime location in this spacious 3-bedroom, 2-bath home, fully remodeled in 2024. Enjoy the luxury of renovated bathrooms and luxury vinyl flooring throughout the entire first floor. The home features a reserved parking spot right at your front door for added convenience. Nestled in the heart of Greenbrier, this home offers unparalleled convenience. You'll have easy access to the interstate and Virginia Beach, with easy access to local amenities. It's a short distance to the YMCA, Greenbrier Middle School, and City Park. This beautifully updated home is a dream for those seeking comfort and convenience in a vibrant community.

928 Saint Andrews Reach Unit A, South Chesapeake
$335,000
3 Beds ⋅ 2.1 Baths ⋅ 10648047 MLS
One owner condo - shows like a model - professionally decorated - updates include flooring - kitchen - baths - systems - so well cared for - maintained - Cul-de-sac that borders the golf course - no thru traffic - duplex style condo with a garage and driveway parking - In the heart of Greenbrier on the 11th green of the Greenbrier Golf Course - wooded view out the back of the fenced in yard.

1016 Winged Foot Court Court Unit B, South Chesapeake
$229,900
2 Beds ⋅ 2 Baths ⋅ 10648079 MLS
Beautiful 2 Bed, 2 Bath condo on a quiet street in Greenbrier! Spacious living room leads to a cozy den that has a wood burning fireplace. From the den access to a fenced in patio for entertaining and views of the lake. The kitchen offers a lot of storage. Upstairs are both large bedrooms each with sizeable closets. Some updates over the years include LVP flooring downstairs, carpet upstairs and paint throughout. Roof is around 5 years old, condo association maintains courtyard and the fees include water, trash pickup and one assigned parking space with the option of a second reserved parking space for an additional annual fee. Minutes from Greenbrier shopping, Greenbrier Country Club golf course, YMCA, Chesapeake City Park and easy access to highway.

948 Saint Andrews Reach Unit C, South Chesapeake
$535,000
3 Beds ⋅ 2.1 Baths ⋅ 10647647 MLS
Welcome home to easy, low-maintenance, luxury living in Eagle Pointe, Chesapeake’s premier 55+ community! This move-in-ready Hamilton plan features brand-new flooring, a new water heater, and TWO spacious primary suites - one on each level - perfect for guests or multi-generational living. The eat-in granite kitchen offers an island and stainless steel appliances and opens to a bright, sunny morning room. A formal dining room features a box-bay window and tray ceiling. The 1st-floor primary includes two closets, a ceramic shower, and a double vanity. Enjoy generous finished walk-in storage, too! At the heart of Eagle Pointe is the Bay Club with indoor & outdoor pools, hot tub, fitness center, billiards, library, game rooms, grand celebration room, catering kitchen, and so much more. Come experience the Eagle Pointe lifestyle! Call today to schedule your personal tour. Some pics digitally staged.

420 Dundee Lane, South Chesapeake
$380,000
3 Beds ⋅ 2 Baths ⋅ 10647804 MLS
You know that feeling when a house just makes sense? This one has it. Three bedrooms, two baths, and 1,356 square feet give you real room without a lot of upkeep. The LVP flooring is fresh, the windows are newer, and the kitchen has the space to actually cook and gather in. The cabinets were refinished and paired with butcher-block counters, and the lighting, trim, and fixtures have all been brought up to date. The bedrooms are comfortable and quiet, and one has a large closet you will be grateful for. Both baths are updated, with one done in full tile. What you do not see matters too. The HVAC and windows are newer, and the crawl space is fully encapsulated with a vapor barrier and spray foam, with a pest warranty behind it. It is also Verizon FIOS ready. And here is the part people love: it is a two-unit condo with no monthly condo fee. That is not easy to find. Easy living on day one. Come walk through and see how it feels.

716 Hillwell Road Unit B, South Chesapeake
$474,900
4 Beds ⋅ 3.1 Baths ⋅ 10647812 MLS
Beautiful like-new townhome with a two-car garage! This three-level condo features a gourmet kitchen with center island, quartz countertops, stainless steel appliances, and an open-concept living area with a linear fireplace and LVP flooring. The first-floor flex room with a full bath is great for guests or an in-law suite. Upstairs offers a spacious primary suite with dual walk-in closets and a ceramic tile shower, plus two additional bedrooms, a full bath, and laundry. All appliances convey. Conveniently located near shopping, dining, and interstate access. Some photos have been edited using AI.

1055 Butte Lane, South Chesapeake
$275,000
2 Beds ⋅ 2 Baths ⋅ 10647569 MLS
Welcome home to easy living and modern comfort! This home features two spacious bedrooms, each with its own private en-suite bath, including one thoughtfully renovated for enhanced accessibility. Also, there is a third floor flex room with balcony! The open-concept living and dining area is filled with natural light, highlighted by soaring vaulted ceilings and a gas fireplace that creates the perfect gathering space. Step onto the private balcony overlooking the peaceful marsh, where abundant wildlife and tranquil views provide a serene backdrop and exceptional privacy. Enjoy year-round comfort and energy efficiency with a newer HVAC system. Residents also have access to outstanding community amenities, including a swimming pool, tennis courts, and a playground. If you’ve been searching for a low-maintenance lifestyle in a peaceful setting, this is the home you’ve been waiting for. Schedule your private showing today or view the virtual tour! Virtually staged.

451 Seahorse Run, South Chesapeake
$389,900
3 Beds ⋅ 2.1 Baths ⋅ 10647937 MLS
You can be enjoying a great lifestyle when you decide to move to this townhouse/condo, convenient to stores, restaurants and interstates. Beautiful, sunny and inviting throughout. As soon as you walk in you will find engineered hardwood flooring, a cute sitting area and 1/2 bath. As you continue into your home you have a large dining area adjacent to the open kitchen with tile floors, and large island for extra seating. Your living room has built-in cabinet by the gas fireplace. Upstairs Is the laundry area, large primary with ensuite, hall bathroom and 2 additional bedrooms.

521 Abelia Way, South Chesapeake
$455,000
3 Beds ⋅ 2.1 Baths ⋅ 10647905 MLS
Built in 2021, this beautifully designed townhouse-style condo offers 2,234 square feet of thoughtfully designed living space, featuring an open floor plan and a desirable first-floor primary suite. The spacious great room with soaring ceilings flows seamlessly into the kitchen, complete with granite countertops, stainless steel appliances, a pantry, peninsula seating, and an adjoining dining area. The primary suite features a generous walk-in closet and an en-suite bath with a double vanity and oversized shower. Upstairs, you'll find two spacious bedrooms, a full bath, a loft overlooking the great room, and an unfinished storage room for abundant storage. Additional highlights include a two-car attached garage, large laundry room, and tankless water heater. A private rear patio provides the perfect spot to relax and unwind. Enjoy low-maintenance living with resort-style amenities including a clubhouse, pool, dock, playgrounds, private beach, and ground maintenance, all within the highly sought-after Grassfield school district.

1758 Barkadeer Cove, South Chesapeake
$345,000
3 Beds ⋅ 2.1 Baths ⋅ 10647568 MLS
Welcome home to this beautifully maintained 3-bedroom, 2.5-bath condo in the highly desirable Greenbrier area of Chesapeake. This well designed home features two primary suites, each with a private bath, offering exceptional flexibility for guests, roommates, or multigenerational living. The bright open floor plan provides comfortable living and entertaining space, while the 1st floor bedroom can be used as a home office or guest room. Conveniently located near shopping, dining, parks, and major interstates, this low-maintenance home combines comfort, convenience, and an unbeatable location.

1439 Rollesby Way, South Chesapeake
$330,000
3 Beds ⋅ 2.1 Baths ⋅ 10647646 MLS
WELCOME HOME TO EASY, LOW MAINTENANCE LIVING. MOVE RIGHT INTO THIS WELL MAINTAINED 3 BEDROOM, 2 1/2 BATH CONDO THAT OFFERS A SPACIOUS LAYOUT THAT IS PERFECT FOR EVERYDAY LIVING AND ENTERTAINING. CONDO ASSOCIATION AMENITIES INCLUDE GROUNDS MAINTENANCE, MASTER INSURANCE POLICY, POOL AND CLUBHOUSE. ROOF IS SCHEDULE TO BE INSTALLED THIS YEAR. $100 SPECIAL ASSESSMENT PER MONTH THROUGH 2027 FOR NEW ROOF. VACANT AND EASY TO SEE!

1470 Otterbourne Circle, South Chesapeake
$449,990
4 Beds ⋅ 3 Baths ⋅ 10646631 MLS
Welcome home to this luxurious 4-bed, 3 full bath home located in the highly sought-after Great Bridge school district. The open floorplan is enhanced by 9-foot ceilings on both levels, recessed lighting, and plenty of natural light. The kitchen serves as the heart of the home, offering a large island, quartz countertops, and stainless-steel appliances— for both entertaining and everyday living. Upstairs, enjoy freshly installed carpet throughout, convenient upstairs laundry room, and a spacious primary suite that features both a generous walk-in closet and spa-like bathroom complete with a soaking tub, oversized shower, and double vanity. Additional highlights include a covered porch, relaxing back patio, and attached garage with extra driveway parking. Conveniently situated near interstates, shopping, schools, and military bases, this home combines modern style with low-maintenance living—an ideal opportunity to own in one of Chesapeake’s most desirable communities!

301 Sikeston Lane, South Chesapeake
$239,911
2 Beds ⋅ 2 Baths ⋅ 10647687 MLS
Welcome to this beautifully updated two-story condo in the sought-after Riverwalk community of Chesapeake. Soaring 20-foot vaulted ceilings and gorgeous LVP flooring create a bright, open feel throughout. The updated kitchen features granite countertops, newer appliances, a deep sink, modern fixtures, perfect for everyday living and entertaining. Upstairs, the spacious loft with custom built-ins offers flexible space for a home office, reading nook, or guest retreat. Accessibility enhancements include a motorized stair lift to the second floor conveys with the home, providing added convenience and accessibility. Enjoy your private patio and maintenance-free living with community amenities including a pool, scenic walking trails, and condo fees covering water, sewer, trash, exterior maintenance, and the master insurance policy. Conveniently located near shopping, dining, major interstates, and military bases, this move-in-ready home offers comfort, convenience, and style.

705 Rapidan River Court Unit E, South Chesapeake
$583,740
4 Beds ⋅ 2.1 Baths ⋅ 10647703 MLS
Welcome to the Shenandoah at Retreat at Edinburgh -Chesapeake’s premier 55+ low-maintenance community! Enjoy luxury townhome living with a modern open-concept design, gourmet kitchen with quartz countertops and stainless steel appliances, and a sunlit family room perfect for entertaining. The first-floor primary suite offers a spa-inspired bathroom, featuring a walk-in shower, and oversized walk-in closet, while upstairs features three spacious bedrooms, a loft, and ample storage. Community amenities include a resort-style pool, clubhouse, fitness center, dog park, walking paths, and more. Embrace the ultimate active adult lifestyle near fine dining, shopping, and beautiful parks. Photos and renderings are from builder's library, actual finishes and features may vary.

2009 Barton Lane, South Chesapeake
$525,900
4 Beds ⋅ 3.1 Baths ⋅ 10647286 MLS
To Be Built - Financing 5.75 rate, NO PMI! - Choose your look! - UPGRADES GALORE! Built by award-winning builder. Stunning home w/curated features uniquely designed in this home. Extensive Mohawk flooring through mid-level with Gourmet Kitchen w/Custom hood, 10' island with Quartz counters, GE Cafe 6 Burner Gas range, GE Cafe Dishwasher, and GE Cafe Microwave Drawer. 10' ceilings MAIN, 9' First & Third Floors, 2-zone HVAC w/thermostat on each floor. Primary bedroom with Walk-in CLOSET and spa ensuite Bath. Custom stair rail with 42" treads. Two bedrooms, hall bath, and laundry room complete the third flr. First floor bedroom with ENSUITE bath! Oversized 10'x19' covered porch with Trex decking, 2-car garage, Tankless Water Heater - and more! LOW $95 condo fee w/Cabana, Fire pits, Bocce ball and Professional landscape and lawn maintenance..ready for easy living! Legacy is waiting for you!

903 Bernard Lane, South Chesapeake
$545,900
3 Beds ⋅ 3.1 Baths ⋅ 10647133 MLS
To Be Built - Financing 5.75 rate, NO PMI! - End Unit - Choose your look! - UPGRADES GALORE! Built by award-winning builder. Stunning home w/curated features uniquely designed in this home. Extensive Mohawk flooring through mid-level with Gourmet Kitchen w/Custom hood, 10' island with Quartz counters, GE Cafe 6 Burner Gas range, GE Cafe Dishwasher, and GE Cafe Microwave Drawer. 10' ceilings MAIN, 9' First & Third Floors, 2-zone HVAC w/thermostat on each floor. Primary bedroom with Walk-in CLOSET and spa ensuite Bath. Custom stair rail with 42" treads. Second Petite Suite with ensuite and large walk in and HUGE laundry room w/Linen closet. First floor bedroom with ENSUITE bath! Oversized 10'x19' covered porch with Trex decking, 2-car garage, Tankless Water Heater - and more! LOW $95 condo fee w/Cabana, Fire pits, Bocce ball and Professional landscape and lawn maintenance..ready for easy living! Legacy is waiting for you!

901 Bernard Ln, South Chesapeake

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.