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$249,900
1 Beds 1 Baths 10641391 MLS
Come home to the Iconic Rotunda Building with views of stunning sunrises and the city skyline in the heart of downtown Norfolk. Enjoying the modern lifestyle in this iconic mid-century urban building, where you can see the fireworks from the harbour park during the weekends when there is a Tides game. This largest 1 Bedroom floorplan offers a private master suite, spacious open layout, enough for full dining, living, and office of flex space. True Urban design, concrete floors, exposed piping, and floor-to-ceiling windows for plenty of natural sunlight. Location is super close to the light rail, restaurants, museums, and all that makes downtown Norfolk special. This building is pet-friendly and even has its own private dog park. Won't last long, must to see! Book your showing today.

415 Saint Pauls Boulevard Unit 403, West Norfolk

$350,000
2 Beds 3 Baths 10641253 MLS
Step Into Luxury With This Stunning 2 Story Condo, Nestled In The Heart Of Downtown Norfolk’s Historic Brick Building.This Renovated Gem Offers All Hard Wood Floors, Exposed Duct Work & Sprinkler Sys And 13 Ft Ceiling. Completely Updated In 2004, The Spacious Layout Offers:2 Bedrooms And 3 Full Baths, Including En-Suite Baths. An Open-Concept First Floor With A Spacious Living Room, Dining Area With A Cozy Gas Fireplace, A Sleek European-Style Kitchen With Stainless Steel Appliances And Quartz Countertops And A Full Bathroom. Second Floor Offers: A Wet Bar And A Sitting Area As We Walk Up The Stairs.The Primary Suite Includes A Walk-In Closet And A Spa-Inspired Bath With A Steam Shower, Dual Vanity, And A Free-Standing Soaking Tub.The Second Bedroom Offers A Bathroom Including Premium Finishes And Marble Flooring. This Condo Is The Perfect Combination Of Modern Luxury And Timeless Charm, With All The Vibrant Amenities And Attractions Of Downtown Norfolk Just Outside Your Door. MUST SEE!

111 W Tazewell Street Unit 304, West Norfolk

$600,000
4 Beds 2.1 Baths 10641355 MLS
Nestled on idilic Westover Mews in Ghent Square, this brick townhome artfully marries timeless character & contemporary updates. A gracious foyer leads to sunlit LR & the chef’s kitchen w/custom cabinetry, quartz counters, waterfall breakfast bar & new appliances (2024). Entertain in the adjoining dining room or relax in the family room/den w/exposed brick & French doors to a private, fenced, wrap-around yard w/slate patio, fire pit & sauna. The primary suite is a serene retreat w/dual walk-in closets & spa-like ensuite bath feat. dual custom vanity, travertine, quartz & a jetted tub. Three addl BRs (one w/a balcony), a third-floor loft w/private rooftop deck access, oversized laundry, & updated powder room complete the home. Other feat. incl. refinished HW flrs, crown molding, a wood-burning fireplace, expansive windows, new roof (2025), HVAC compressor (2024), encapsulated crawl (2021), gutters (2022), replacement windows & water heater (2019). No flood insurance req.

1114 Colonial Avenue, West Norfolk

$219,900
2 Beds 2 Baths 10640575 MLS
Charming first-floor condo in the heart of Ghent! This spacious 2-bedroom, 2-bath home features a desirable layout with both bedrooms offering private en-suite baths and walk-in closets. A welcoming foyer opens to a large dining room, functional kitchen, and comfortable living area with access to a private patio. The generous floor plan provides plenty of space for everyday living and entertaining. Enjoy resort-style community amenities including a pool, clubhouse, fitness center, tennis courts, and gated entry. Condo fees include water, sewer, and trash pickup for added convenience. Ideally located near schools, hospitals, shopping, dining, entertainment, and all that Ghent and Norfolk have to offer. Don't miss this opportunity to enjoy low-maintenance living in one of Norfolk's most sought-after neighborhoods!

203 Westover Avenue Unit 103, West Norfolk

$425,000
4 Beds 4 Baths 10640505 MLS
Completely rebuilt from the studs w/ all-new systems &finishes, this stunning Norfolk home offers the rare opportunity to own essentially brand-new construction in an established neighborhood. Every detail has been thoughtfully redesigned with modern living in mind, offering the style, comfort, and peace of mind today’s buyers are searching for in a move-in-ready, turnkey home. Featuring 4 bed & 4 full bath, & approx 1,900 sq feet of beautifully finished living space, this like-new home showcases quality craftsmanship, open-concept living, and stylish modern finishes throughout. From the moment you walk inside, natural light pours into the bright, welcoming interior, creating a space that feels both fresh and inviting.The sun-filled living area flows effortlessly into the kitchen, creating the true heart of the home where family and friends naturally gather. This is the kind of home where holidays feel extra special, guests never feel crowded, and everyday moments—from morning coffee to late-night conversations—feel just a little more elevated. Whether hosting celebrations or enjoying a quiet evening in, this layout was designed for connection, comfort, and making memories. A standout feature is the rare 4 full bathrooms, offering exceptional flexibility for multigenerational living, overnight guests, roommates, or growing households. Each bedroom is generously sized, providing privacy and versatile space for guest rooms, home offices, fitness areas, or personal retreats. Beyond the beautiful finishes, the true value lies in what you cannot always see—brand-new systems, materials, and construction throughout, offering reduced maintenance and the confidence of new construction without the wait. Conveniently located near shopping, dining, parks, major interstates, military bases, and everything Norfolk has to offer, this exceptional home blends modern luxury with everyday convenience. Rarely does a home offer this much new, this much space, and this much opportunity in such a prime location. Beautifully rebuilt, completely turnkey, and ready for its next chapter.

840 W 49th Street, West Norfolk

$499,000
4 Beds 2.1 Baths 10639429 MLS
Absolutely beautiful turn of the 19th century Colonial home in a well-established Norfolk neighborhood. Enjoy evenings overlooking the neighborhood or cuddle around the wood-burning firepit on the brisk fall or winter evenings. Beautiful original heart-of-pine hardwood floors, large foyer that spills into the living room, large dining room, updated kitchen with granite countertops, stainless steel appliances, breakfast nook and powder room complete the first floor. Second floor features a large ensuite with walk-in closet, pocket doors, stand-up shower, separate toilet room; three other generously sized bedrooms and one additional full bath. Plenty of storage space, don't miss the walk-up attic, full basement or one-car garage. This Norfolk classic home has easy access to the interstates, bases and less than two miles from the Virginia Zoo and Ghent. If you're looking for a gorgeous well-kept and updated colonial-style home, look no further. Flood ins. not required!

1601 Ashland Avenue, West Norfolk

$525,000
2 Beds 2 Baths 10638027 MLS
Lovely water views on two floors in this Penthouse overlooking the Elizabeth River and Downtown Norfolk. Floor to ceiling windows, skylights, private balconies on both levels, and a private rooftop terrace provide the perfect space for easy everyday living and fabulous entertaining. Two assigned parking spots #2 & #3 are in a gated lot w/private door to building. The Pier Condominium is extremely well-managed with ample reserves and an onsite Manager M-F, 8-5. Boat slip #83 at $155 per month conveys with the unit and has power, water and dock box. Condo fee $950 includes basic cable, elevators, security, water, sewer, trash pickup, building insurance, flood insurance, and a Yacht Club on the first floor. 2 Pets allowed per unit. Designated Storage area. 2023 HVAC, 2024 Trex on balconies. Water heater to be replaced prior to closing.

40 Rader Street Unit 505, West Norfolk

$749,900
4 Beds 3.1 Baths 10637444 MLS
Beautifully updated condo offers perfect blend of comfort, style, convenience! Lovely foyer seamlessly flows into an open concept living/dining room and elegantly transitions into a thoughtfully designed chef's kitchen w/custom granite countertops and cabinetry, 2 gas ovens, and spacious eat-in area. Rich hardwood floors, natural light, and soaring ceilings carry from main living spaces to bedrms, office, and sunrm. Providing flexibility in living configurations, the floorplan affords three generously-sized bedrooms and a beautiful fourth bedroom which opens onto a private rooftop deck. A full hall bathrm, powder rm, and utility rm, which includes a 2nd refrigerator, complete the picture. Proximity to Eastern Virginia/Sentara Medical complex, Elizabeth River Trail, Downtown amenities, museums and restaurants ensures an unbeatable location. A rare opportunity to enjoy sophisticated, low-maintenance living in the heart of the city!

220 W Brambleton Avenue Unit 202, West Norfolk

$250,000
1 Beds 1 Baths 10637106 MLS
Unique loft condo located in Norfolk’s historic Freemason District, blending timeless character with modern updates. Ready for you to personalize and update as you see fit! Located inside of the historic Hoffheimer warehouse, this airy 1-bedroom studio features soaring ceilings, gorgeous hardwood floors, and expansive windows. A rare find in downtown Norfolk, the condo sits strategically on the first floor and at over 1,000 sf! Enjoy in-unit laundry, your own assigned parking space, and key code front and rear entrances. The building’s dramatic central atrium adds architectural distinction. Lobby offers area to store and lock bikes, ski-chalet style stairwell and elevator. Ideally located in downtown between Town Point Park, the waterfront, restaurants, and a quick stroll to Ghent. The condo delivers refined urban living in one of Norfolk’s most storied settings.

230 W Tazewell Street Unit 103, West Norfolk

$750,000
3 Beds 2 Baths 10636963 MLS
Stunning 3 BR/2 Bath condo w/breathtaking panoramic views of Elizabeth River & Downtown Norfolk's skyline. At the heart of the home is a renovated chef's kit w/custom cabinetry, granite counters, & high-end SS appl. Also feat. open-concept floor plan, spacious LR/DR, generous primary suite w/walk-in closet & ensuite bath w/lg walk-in shower, 2 addl. spacious BRs, full hall bath, utility room w/washer & dryer, & private balcony. Other feat. incl. floor-to-ceiling windows, Owens Oak HW floors, two-zone HVAC (LR zone 2024), gas water heater (2025), 3 garage parking spaces (#12,13 & 63), assigned storage locker (#21). Live in Downtown's premier building w/secured building access, two elevators, security system, 4th floor grill & picnic area. Condo fees are $726.74/month (incl. insurance, exterior & common area maintenance, windows, patio & entry doors, trash pickup, fire protection, security systems, & on-site supervisor). Pet-friendly (up to 2 pets w/max combined weight of 60 lbs).

123 College Place Unit 1403, West Norfolk

$549,900
4 Beds 2.1 Baths 10636028 MLS
Classic American Foursquare situated on a sprawling 0.40-acre lot in Norfolk’s historic Riverview neighborhood. Built in 1917, this spacious home offers charm, character, and opportunity with hardwood floors, granite countertops, 3 fireplaces, high ceilings, and abundant natural light. The primary suite includes an ensuite bath and oversized dressing area with potential to create an additional bedroom. Finished walk-in attic offers flexible space for a bedroom, media room, or guest area. Outside, enjoy the large front porch, covered rear deck, paver patio, mature landscaping, decorative fountain, koi pond, and fenced backyard. Multi-zone AC systems replaced in 2021 and 2013. Boiler heat is believed to have been updated around 2010. Shared driveway access (spots directly beside the home) plus street parking. Own a piece of Americana with exceptional outdoor entertaining space.

4119 Columbus Avenue, West Norfolk

$285,000
2 Beds 2 Baths 10636125 MLS
Welcome to this exquisite, top-floor, corner unit condo featuring 2 spacious bedrooms and 2 full bathrooms. The open-concept layout offers a cozy fireplace and a modern kitchen complete with granite countertops and stainless steel appliances. Step out onto the private balcony and enjoy expansive city views. Additional highlights include under-building garage parking and convenient elevator access. Ideally located in the heart of downtown Norfolk, you're just minutes from local dining, shopping, and popular attractions including Town Point Park, Granby Street, Norfolk Scope, and USS Wisconsin. Convenient to the business district and the Sentara Health / Eastern Virginia Medical School medical complex, this home truly offers the best of downtown living. Schedule your private tour today!

249 W Freemason Street Unit 405, West Norfolk

$500,000
3 Beds 2.1 Baths 10635641 MLS
Welcome home to this stunning contemporary townhome built in 2024, designed with modern luxury in mind. High ceilings throughout create an open, airy feel, complemented by beautiful luxury vinyl plank flooring. The gourmet kitchen features high-end appliances, elegant shaker-style cabinetry, and sleek quartz countertops—great for everyday living and entertaining. The seller has added automatic window treatments across the main living level, offering effortless comfort and style. An oversized two-car garage provides exceptional storage and convenience. The spacious primary suite includes a dedicated office or sitting area and a large spa-inspired bathroom, great for starting and ending your day in comfort. Ideally located, you’re just minutes—five or less—from nearly everything Norfolk has to offer, including dining, shopping, entertainment, and military bases. Modern design, convenience, and low-maintenance living come together in one exceptional home.

400 Carolina Avenue, West Norfolk

$1,125,000
2 Beds 2.2 Baths 10635283 MLS
LIVE-WORK-PLAY! RARE OPPORTUNITY TO OWN A HISTORIC BUILDING IN WEST FREEMASON. Nearby SHOPPING, BISTROS, AND PARKS. THIS RENOVATED CLASSIC BRICK STOREFRONT BUILDING HAS A LUXURY APARTMENT ON THE THIRD FLOOR WITH 2 BEDROOMS, 2 BATHS, AND 2291 SF. LUXURY KITCHEN W/ CUSTOM ZEBRAWOOD CABINETS, MARBLE COUTNERS, AND CHEF'S GRADE APPLIANCES. TWO DESIGNER TILED BATHS WITH PREMIUM FIXTURES AND FINIISHES. ROOF TOP ENTERTAINING DECK W/ BOLD CITY VIEWS W/ELECTRICAL-WATER-GAS RUN. THE FIRST 2 FLOORS ARE A RENOVATED CHIC OFFICE/RETAIL SPACE OF NEARLY 2700 SQFT, WHICH IS CURRENTLY VACANT. TARGET LEASE RATE OF $25/SQFT. MANY OPTIONS TO BE ABLE TO LIVE, WORK, AND PLAY DOWNTOWN IN LUXURY WITH INCOME PRODUCING SPACE OR RUN YOUR OWN BUSINESS! AVAILABLE STREET AND GARAGE PARKING. DONT MISS THIS UNIQUE RESIDENTIAL OPPORTUNITY!

211 W Freemason Street, West Norfolk

$225,000
1 Beds 1 Baths 10634983 MLS
Live in the heart of downtown in this exceptionally spacious one-bedroom, one-bath condo featuring an open and bright living room with a gas fireplace and newer carpet (apprx 1 yr old). The kitchen offers ample cabinet space, SS appliances, great counterspace and breakfast/bar area. The oversized bedroom (TV conveys), updated bath, and an extra-large walk-in closet. A large laundry/utility room off the kitchen with washer and dryer. A flex room off the living area provides versatile usable space. Walk-in attic offering for addl storage. Reserved carport is conveniently located at the rear entrance equipped security code entry, additionally you have two off-site parking spaces. Ideal location to enjoy summer fun events, shopping, restaurants, entertainment, and pop-up events. Condo fee includes water, sewer, grounds maintenance, security, and trash pick. Seller offering 3 months paid condo fee. Easy access to highways, bases, beaches, all of Hampton Roads.

515 E Freemason Street Unit 3A, West Norfolk

$489,900
6 Beds 3 Baths 10634793 MLS
**Assumable Loan Option** Located in Norfolk’s desirable Belvedere neighborhood, this spacious 6 bedroom, 3 bath home offers over 2,700 sq ft of flexible living space suited for multi-generational living, guest space, or home offices. Updates include: fresh paint, refinished hardwood floors, new carpet, updated lighting, ceiling fans, faucets, & a new downstairs HVAC system. The main level features a living room, den, dining rm, kitchen w/ breakfast bar, attached garage w/ storage, 2 first-floor bedrooms, & full bath. Upstairs offers 3 additional bedrooms, another full bath, & spacious primary suite w/ bath & sitting area. Large backyard w/ mature trees, fire pit, & plenty of space for entertaining or outdoor activities. Conveniently located near Downtown Norfolk, military bases, EVMS, ODU, shopping, dining, parks, beaches, major interstates, & nearby Lafayette River boat/kayak access. Assumable VA loan opportunity - 2.25% rate for VA buyers. Entitlement substitution required.

104 E Severn Road, West Norfolk

$609,900
3 Beds 2.1 Baths 10634311 MLS
CHARMING 2-STORY WITH ORIGINAL CHARACTER. THREE BEDROOMS, TWO BATHS ON THE SECOND FLOOR. FIRST FLOOR CONSISTS OF ENTRY FOYER, LIVING ROOM, DINING ROOM, HALF BATH, A CUSTOM KITCHEN THAT FEATURES STAINLESS STEEL APPLIANCES, 42-INCH CUSTOM CABINETRY, CROWN MOLDING, STONE COUNTERTOPS, INSIDE AND UNDER CABINET LIGHTING AND A BEAUTFITUL BUILT IN BAR AREA. CONVENIENTLY LOCATED PANTRY AND LAUNDRY/UTILITY ROOM. BEAUTIFUL PINE PLANK FLOORING THROUGHOUT. SPACIOUS ROOMS WITH HIGH CEILINGS, FRONT AND REAR STAIRCASES. UPDATED HVAC & WATER HEATER. THIS LOVELY 1895 HISTORICALLY RENOVATED RESIDENCE WITH APPROXIMATELY 2,700 SQUARE FEET OFFERS QUIET, PEACEFUL LIVING. SPACIOUS IRREGULAR LOT IN THE HEART OF GHENT. NEAR FREEMASON AND NORFOLK'S HIGHLY SOUGHT AFTER NEIGHBORHOODS. ENJOY THE CHRYSLER MUSEUM, STOCKLEY GARDENS, RESTAURANTS, AND BOUTIQUE SHOPS. NEAR CHKD, SENTARA NORFOLK GENERAL HOSPITAL AND NORFOLK NAVAL AIR STATION.

734 Yarmouth Street, West Norfolk

$195,000
2 Beds 1 Baths 10634076 MLS
Charming 2-bedroom, 1-bath Cape Cod offering an excellent opportunity for the right buyer to renovate and make it their own. With solid potential and room for improvement, this home is well-suited for an owner-occupant who wants to complete renovations right away or update the property over time while building equity. It also presents a great opportunity for investors ready to reimagine the space and unlock its full potential.A welcoming enclosed sun porch adds valuable bonus space and versatility. The home also features additional upstairs space that could be used for storage or potentially expanded into more finished living area, offering flexibility for future improvements. Outside, the spacious backyard provides ample room for gardening, hobbies, or pets to roam, along with a convenient storage shed for additional storage. Ideally located near beaches, military bases, & major interstates, this property offers both lifestyle convenience & long-term potential.

7531 Yorktown Drive, West Norfolk

$389,000
2 Beds 2 Baths 10632697 MLS
Perched on the 9th floor of the prestigious Harbor Heights, this elegant 2-bedroom, 2.5-bath loft-style condominium delivers luxury living with breathtaking panoramic views. Floor-to-ceiling windows frame sweeping vistas of the Elizabeth River, the iconic USS Wisconsin, the Pagoda, and surrounding parks—creating a stunning backdrop.The open-concept floor plan is both modern and inviting, featuring polished concrete floors, soaring ceilings, and abundant natural light. The modern kitchen features granite countertops, stainless steel appliances, a gas range, perfect for entertaining or everyday living. Harbor Heights offers secure access, an elevator, and an unbeatable downtown Norfolk location, placing you just moments from Waterside, the Cruise Terminal, dining, entertainment, the new casino/resort, and waterfront attractions. This is urban luxury at its finest—where sophisticated design, iconic views, and unmatched convenience come together.

123 College Place Unit 905, West Norfolk

$175,000
2 Beds 2 Baths 10631909 MLS
Take a look at this beautiful 2-bedroom, 2-bathroom condominium unit on the 3rd floor. You can enjoy stunning sunsets from your balcony. The condo has one assigned parking space. The condominium fees cover gas, electric, HVAC, water, sewer, trash removal, ground maintenance, 7-day reception desk coverage and doorman, elevator usage, Cox Ultimate Cable package (250+ Channels}, access to the saltwater pool, library, expansive community/meeting room with water views, and a full kitchen. Residents also have access to a boat dock, with boat slips available for yearly resident rental, an outdoor grilling area, assigned storage. Lastly, a full-time Maintenance Supervisor, Condo Manager, Front Desk Receptionist, and Doormen are on site.

7320 Glenroie Avenue Unit 3E, West Norfolk

$610,000
3 Beds 2.1 Baths 10631932 MLS
This home is a beautiful blend of timeless character & modern updates! Check out some of the quality features & improvements: **Period specific solid construction materials**Extensive trim/millwork**Enhanced crown moldings**Pella custom Architectural windows designed for this home with superior energy efficiency & structural performance**Hardwood floors throughout**Refinished/Refurbished doors & radiators**Dual gas fireplaces with custom mantles**Office/Porch with tile floor, traditional beadboard ceiling & Pella full-length windows with integrated mini-blinds**Full attic with storage cabinets**Patio with architectural pavers with unique semi-circle staircase off French doors**Detached multi-car garage with original barn-style sliding doors**Long concrete driveway**Upgraded electric panel**22K Whole House Generator with automatic transfer switch**2-zone gas heat**Copper pipes** Large, well-manicured yard with mature beds & privacy**If you appreciate quality, you need to see this home!

1512 Trouville Avenue, West Norfolk

$299,000
2 Beds 2 Baths 10629770 MLS
Wonderful downtown living in the historic Freemason neighborhood in corner unit, second floor condo, boasting both covered, secure parking and exterior space. Beautifully maintained, updated 2-bedroom, 2-bath unit offers a lovely flow, perfect for everyday living and easy entertaining. Two private balconies bring the outside in, nicely expanding the living space. Updates: HVAC 2020, Microwave 2020, Hot Water Heater 2020, Dishwasher 2025, smart thermostat and door lock 2022 - all make this condo move-in ready! Perfectly situated near restaurants, waterfront attractions, downtown shops as well as Sentara/EVMS, Harrison Opera House and Chrysler Museum. Proximity to interstates make this location a plus!

249 W Freemason Street Unit 205, West Norfolk

$795,000
3 Beds 2.1 Baths 10630214 MLS
Experience elevated living at 123 College Place, a premier high-rise condominium in the heart of Norfolk. This upscale residence offers sweeping views, refined finishes, and an open-concept layout designed for both comfort and sophistication. The chef’s kitchen is a true showpiece, featuring a bespoke hand-painted design, Wolf stove, Sub-Zero refrigerator & wine fridge, and elegant fixtures. Custom built-in benches, cherry accent wall, and an integrated entertainment system with surround sound enhance both form and function. Distinctive pre-Civil War decorative woodwork crowns select doorways, while an artisanal glass wall invites additional natural light. The primary suite offers a spa-inspired bath, generous closet space, and curated lighting accents. Laundry room with custom cabinets, two reserved parking spots near the elevator with electric car hookup and 2 huge storage spaces rarely found in condo living included. An exceptional blend of history, craftsmanship, and modern luxury

123 College Place Unit 912, West Norfolk

$225,000
1 Beds 1 Baths 10629982 MLS
Turn-key, first-floor condo with zero-step entry - completely updated and move-in ready. Enjoy a brand-new kitchen featuring quartz countertops and newer stainless steel appliances. The spa-like bathroom offers a beautifully tiled shower and modern finishes. Fresh flooring and tasteful paint run throughout the home. Spacious layout includes a massive living room, dining area with space for a home office, and a large bedroom with a walk-in closet. Separate laundry closet provides additional storage. Relax on the inviting front porch with privacy from manicured bushes. Ample street parking available. Ideally located on a quiet, tree-lined street just minutes from the shops, dining, and energy of Granby Street!

435 E Freemason Street Unit 1B, West Norfolk

$459,500
5 Beds 3.1 Baths 10628867 MLS
Stunning new construction home with luxury Hardie Plank siding and modern design! This move-in ready, open-concept floor plan features two primary suites, including a rare first-floor primary with private laundry—perfect for multi-generational living or added convenience. Spacious interior filled with natural light, ideal for entertaining. Chef’s kitchen boasts a large island, granite countertops, stainless steel appliances, and ample cabinetry. Upstairs offers an additional primary suite and flexible living space. Enjoy outdoor living on the welcoming front porch—perfect for relaxing or hosting gatherings. Energy-efficient construction, low-maintenance exterior, and high-end finishes throughout. Prime Norfolk location with easy access to downtown, parks, shopping, dining, and commuter routes. Ideal for buyers seeking new construction, modern upgrades, and turnkey living! This is a custom-built home, builder is flexible, & it is easy to move in by late July 2026.

220 W 27th Street, West Norfolk

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.