Refine Search
Sort by
$799,900
2600951 MLS
One of the last opportunities to own a waterfront homesite in James City County. This just under 6-acre property in Barrett’s Ferry offers a rare combination of privacy, space, and breathtaking water views.Situated along the Chickahominy River with views stretching toward the James River, this property provides a peaceful, natural setting ideal for your custom dream home. The expansive homesite offers flexibility for building, outdoor living, and enjoying the surrounding landscape.Located in the highly sought-after school district, including Matoaka Elementary and Jamestown High School, this property offers both long-term value and an exceptional lifestyle.Whether you’re looking for a private retreat or a place to create a legacy waterfront home, opportunities like this are becoming increasingly rare in this area.Enjoy the best of both worlds-seclusion and natural beauty, while still being conveniently located near Williamsburg, Route 5, and major commuting routes.

3532 Barretts Ferry Drive, Williamsburg

$1,250,000
5 Beds 5 Baths 2600767 MLS
Quietly elegant, describes this impeccably maintained and loved home, a William Poole design, built by Ron Davis in 1999. Desirably located close to clubhouse amenities, yet privately set on .596 acres along a tidal creek flowing to the Chickahominy River. Watch eagles and herons in their natural habitat, or fish from the neighborhood dock. This beautiful home offers 4700 sq ft of serenity, 5 bedrooms, and 4 and 1 half bath, abundant walk-in storage, and oversized 3 car garage, and a full basement plumbed for a full bath and ready for finishing. All set in a private country club community, nestled between the James & Chickahominy Rivers, including a full service marina, private beach, gym, pools, golf, tennis, and pickleball with a newly remodeled clubhouse on the rivers. The Capital Trail is just outside the neighborhood, Colonial Williamsburg and William & Mary College are just minutes way.

1613 River Ridge, Williamsburg

$899,000
4 Beds 5 Baths 2600952 MLS
Versatile, Spacious, Move-In Ready - With NO HOA in the heart of Williamsburg! Situated on nearly a full acre, this 4 bedroom house is ready to welcome its next family! Main floor features 10’ ceilings and 8-9+ elsewhere. Master Suite with huge bathroom - complete with large walk-in shower, jetted tub, and his and hers closets. Bedrooms 2 & 3 at the opposite end share a private bathroom. Large chef’s kitchen - overlooking the family room - welcomes friends with a long bar and spacious adjacent dining area for endless fun. Basement is well-equipped for guests or the in-laws with separate entrance, kitchenette, and full bath. Massive bonus room over the garage is a great space for the whole family to play, or friends to stay. Just around the corner leads to over 1300 sf of flex space - great for his and hers hobbies, an in-home business, theatre - the possibilities are endless. Oversized garage with custom flooring and cabinets, New HVAC added in 2023, new flooring, new paint, new light fixtures, new ceiling fans, upgraded grinder pump, fenced in backyard, are just the start of what this home has to offer!

Williamsburg

$608,740
5 Beds 3 Baths 2600943 MLS
Welcome to the 2511 sq ft Hayden model, offering a modern open-concept living space designed for both comfort and flexibility. The main level features a welcoming living room, a spacious dining room, and a well-appointed kitchen with walk-in pantry. The main floor also includes a full bedroom, a bathroom, and a versatile flex room, allowing you to create the ideal space for your family’s needs. Upstairs, an additional living space offers even more flexibility for a home office, playroom, or entertainment area. The large primary suite is a true retreat, featuring 2 large walk-in closets and a luxurious bathroom with separate vanities and a private water closet. The 2nd floor also includes a laundry room, a full bathroom, and three additional spacious bedrooms, ensuring plenty of room for everyone. The Hayden model is the perfect live-play-work home, offering flexible living spaces and modern amenities for today’s family, providing everything you need to live, work, and play in comfort. Photos are from the builder's library, actual finishes and features may vary.

101 Gallop Way, Yorktown

$619,740
4 Beds 3 Baths 2600942 MLS
Welcome to the Salem, a beautifully designed 2,618 sq ft home offering a modern open-concept living space that meets all your family’s needs. This spacious home features a family room, kitchen, casual dining space, flex room, laundry room, and powder room on the main level, providing the perfect balance of comfort and functionality. The photos you see here are for illustration purposes only, interior and exterior features, options, colors and selections will vary from the homes as built. The first-floor primary suite is a true retreat, offering a large walk-in closet and a luxurious bathroom with separate vanities and a private water closet for added convenience. Upstairs, you’ll find a huge bonus room with two walk-in closets, a full bathroom, and three additional bedrooms, offering ample space for your family to spread out and enjoy. This home combines open living spaces, modern design, and family-friendly features, making it the ideal choice for families seeking spacious living with plenty of storage and flexible space for all types of activities.

103 Gallop Way, Yorktown

$1,149,000
3 Beds 4 Baths 2600449 MLS
One-of-a-kind custom-built home features 8 inch thick ICF (Integrated Concrete Form) walls with brick facade for superior insulation and noise reduction. The kitchen boasts two separate Fisher & Paykel dishwashers, 2 separate sinks and abundant prep spaces. An adjacent butler's pantry is ideal for entertaining. In-floor heating throughout, with two back-up heat pumps, enhances this home's year-round comfort. Other special features include Pella windows with blinds between the panes, 10 foot high coffered and tray ceilings, large arched transitions between rooms, tile and wood flooring, wide two-car garage with built in storage, attached brick storage shed, backyard irrigation well, new roof (2025), standby generator, twelve closets throughout, and more. If it is a beautiful and solidly built European-style home you're looking for, you have found it with this residence.

3515 Splitwood Road, Toano

$603,740
5 Beds 3 Baths 2600912 MLS
Welcome to the 2511 sq ft Hayden model, offering a modern open-concept living space designed for both comfort and flexibility. The main level features a welcoming living room, a spacious dining room, and a well-appointed kitchen with walk-in pantry. The main floor also includes a full bedroom, a bathroom, and a versatile flex room, allowing you to create the ideal space for your family’s needs. Upstairs, an additional living space offers even more flexibility for a home office, playroom, or entertainment area. The large primary suite is a true retreat, featuring 2 large walk-in closets and a luxurious bathroom with separate vanities and a private water closet. The 2nd floor also includes a laundry room, a full bathroom, and three additional spacious bedrooms, ensuring plenty of room for everyone. The Hayden model is the perfect live-play-work home, offering flexible living spaces and modern amenities for today’s family, providing everything you need to live, work, and play in comfort. Photos are from the builder's library, actual finishes and features may vary.

107 Gallop Way, Yorktown

$539,740
4 Beds 2 Baths 2600911 MLS
Welcome to the Cali, a 1862 sq ft single-level home designed with modern, open-concept living in mind. This home features a spacious living room, casual dining area, and a well-appointed kitchen with a large center island and walk-in pantry, creating an ideal space for both daily living and entertaining. A conveniently located laundry room adds to the home's functionality. The primary suite is a true retreat, offering an oversized walk-in closet and a luxurious en-suite bathroom with separate vanities and a private water closet. In addition, the home includes a full bathroom and three additional bedrooms, providing ample space for family, guests, or a home office. The Cali offers the perfect combination of spacious living, modern design, and one-level convenience, making it an ideal choice for homeowners seeking a functional and stylish home. Photos are from builder's library, actual finishes and features may vary.

109 Gallop Way, Yorktown

$565,000
3 Beds 2 Baths 2600883 MLS
Welcome to 4304 Garden View in the Colonial Heritage community of Williamsburg, VA. This well-maintained 3-bed, 3-bath home offers over 3,200 sq ft of comfortable living space with a layout designed for both everyday living and entertaining. Natural light fills the spacious living areas, creating a warm and inviting atmosphere. The primary suite offers a private retreat, while additional bedrooms provide flexibility for guests or a home office. The finished basement adds valuable living space with an additional living area, bedroom, and full bath, ideal for extended stays or flexible use. Enjoy convenient access to shopping, dining, golf, and historic Williamsburg. Experience a home that blends comfort, space, and convenience in a desirable location.

4304 Garden View, Williamsburg

$858,000
4 Beds 4 Baths 2600868 MLS
Step into this charming all-brick home nestled on a beautiful level .74-acre private lot, backing onto a serene buffered golf front location. From the moment you enter, you’ll be embraced by the inviting ambiance that fills every corner of the property. With custom millwork, hardwood floors, and an abundance of natural light, the stunning two-story stone see-through fireplace commands attention as the centerpiece of the great room, and also enhancing both the enjoyment of the spacious eat-in kitchen. The home is thoughtfully designed for modern living, featuring a first-floor office, a formal dining room currently utilized as a delightful music room, and a sunroom that adjoins the kitchen showcasing unobstructed views of the picturesque backyard. An elegant first-floor primary suite with tray ceiling, two walk-in closets, a wall of windows, and a gracious primary bath with two vanities, jetted tub, and ceramic tile shower complete the owners retreat. Additional conveniences include a practical 1st floor laundry room and a two-car side entry garage. As you ascend to the second floor, you'll find a unique viewpoint overlooking the main level, with three well-appointed bedrooms, each having direct access to a full bath and ample attic storage. The comfort and convenience of this home are complemented by the beauty of nature, with the expansive rear deck and the lovely backyard offering a tranquil tree-lined view of the golf course. Located in Governos Land at Two Rivers, known for its exceptional private marina and golf country club, this is more than just a home—it’s an opportunity to embrace a vibrant lifestyle. Don't miss your chance to make this enchanting property your own and enjoy life to the fullest!

3103 Nathaniels Green, Williamsburg

$1,299,000
5 Beds 5 Baths 2600803 MLS
Simply Extraordinary! One of the most beautiful and completely renovated homes in Governor’s Land, this sophisticated all-brick residence offers peaceful James River views and timeless style. Masterfully updated, the open floor plan includes first- and second-floor primary suites, Smart Home features and flexible spaces including a bonus room and a lower-level recreation room with kitchenette and full bath. The great room impresses with a cathedral ceiling, fireplace and seamless flow to the renovated kitchen with Thermador appliances, breakfast area and sunroom. An elegant dining room with butler’s pantry and a living room with river views add to the appeal. A first-floor bedroom wing offers a private office, full bath and spacious bedroom with a fireplace, ideal for guests or multi-generational living. Upstairs, the second-floor primary retreat includes a fireplace, walk-in closet and updated en suite bath, while additional bedrooms share a Jack and Jill. Outdoor living features a deck with awning and a lower screened porch overlooking the water. Plantation shutters, three fireplaces, dual staircases, generator, newer HVAC and walk-up attic complete this exquisite home.

2509 Sanctuary Drive, Williamsburg

$815,000
4 Beds 4 Baths 2600789 MLS
Water and golf front! Come discover this waterfront gem that strikes the perfect balance between cozy and spacious! Greeted by a charming front porch that invites you to explore further, once you step inside, prepare to be amazed by the stunning views of Travis Pond and the prestigious Two Rivers private golf course. This home is truly a delight, featuring soaring vaulted ceilings, an abundance of windows that fill the space with natural light, and beautiful hardwood floors that complement the breathtaking scenery. You’ll find three convenient first-floor ensuite bedrooms, and a fantastic casual dining area perfectly positioned to take in the spectacular waterfront and golf views. Don’t miss out on the screened porch, where you can savor fresh air, or the spacious second-floor ensuite bonus room or 4th bedroom. Whether downsizing or looking for a home to grow in, utilizing the expansive unfinished attic, this 2,839 sf homes can accommodate. Plus, there's a generously-sized two-car garage (with Tesla charging station) for all your storage needs! And let’s not forget the backyard! Picture yourself in one of the comfy Adirondack chairs, soaking in the sights and sounds of nature right by the water. You might even spot ducks, herons, geese, fish, and the majestic bald eagles that call this place home. This is waterfront living at its finest!

3005 Travis Pond Road, Williamsburg

$1,049,000
4 Beds 3 Baths 2600800 MLS
A rare opportunity to secure a prime waterfront location at an optimized price point! Refreshed price offers the absolute best value in the area. Experience breathtaking waterfront living in this one-story contemporary home located in the highly sought-after Kingspoint community on Halfway Creek, with direct access to the James River and deep water. Enjoy your morning coffee or evening cocktail while taking in panoramic views and watching wildlife-including majestic bald eagles-from your own private waterfront oasis. The home features an open-concept design with a centrally located kitchen that flows seamlessly into the living and dining rooms, highlighted by vaulted ceilings, a stone fireplace, and expansive water views. Each of the four bedrooms captures beautiful water vistas and offers access to the back sunroom or deck, blending indoor comfort with outdoor serenity. The spacious primary suite includes a large walk-in closet and a private bath, while a separate in-law suite with kitchenette provides ideal accommodations for guests or multigenerational living. Additional amenities include a workshop, carport, and outdoor storage. With one of the most spectacular views in Williamsburg and endless potential, this property presents a rare opportunity to create an extraordinary waterfront retreat.

220 Southpoint Drive, Williamsburg

$1,850,000
5 Beds 6 Baths 2600584 MLS
Enjoy gracious living in this stately golf-front brick home in the desirable Governor’s Land community. Thoughtful craftsmanship, spacious rooms, soaring ceilings, and high-end finishes create an inviting and elegant atmosphere throughout. The kitchen is truly the heart of the home, designed for both everyday living and entertaining. It features generous marble counter space, a farmhouse sink, walnut-topped island, breakfast bar, eat-in area, and premium appliances including Cove, Wolf, and Sub-Zero. A walk-in pantry with a second Sub-Zero refrigerator and an adjoining keeping room with a fireplace add convenience and warmth to the space. The main-level primary suite offers a peaceful retreat, complete with a luxurious bath featuring a soaking tub, frameless glass shower, private water closet with bidet, heated floors, and a heated towel bar. Additional highlights include a butler’s pantry, wet bar with wine cooler off of the dining room, and temperature-controlled wine storage in the lower level. Flexible living spaces and four additional bedrooms upstairs provide plenty of room for family and guests. Other notable features include a standby generator, golf cart storage room, large deck that spans the length of the house, with gas grill connection, encapsulated crawlspace, Navien tankless hot water heater, whole-house surge protector, and security system. Trees were recently removed, opening up the golf course view and enhancing the natural light into the home. This exceptional home blends comfort, quality, and timeless style in a beautiful golf-front setting.

1921 Miln House Road, Williamsburg

$595,000
2600557 MLS
Welcome to 201 Hurlston in Southport at Ford’s Colony, ideally positioned on a rare 1.17 acre corner lot offering added privacy, mature landscaping, and standout curb appeal within this gated community. The spacious homesite provides room to enjoy outdoor living while benefiting from Southport’s low maintenance lifestyle. Ford’s Colony is an award winning, multi generational master planned community of more than 5,400 residents, offering three championship golf courses, miles of walking trails, pools, tennis, pickleball, and dining.. Located in the heart of the Historic Triangle near Williamsburg, Jamestown, and Yorktown, with convenient access to Richmond, Hampton Roads, and Washington DC via I64 and I95. Enjoy all that Ford's Colony has to offer with optional club and golf memberships.

201 Hurlston, Williamsburg

$2,600,000
4 Beds 7 Baths 2600567 MLS
Welcome to the crown jewel of Governor’s Land, where spectacular sunsets, panoramic river views, and an unrivaled country club lifestyle define life in one of Virginia’s premier private communities. This iconic Jacobean-style estate, positioned at the confluence of the James and Chickahominy Rivers, offers 7,769 square feet of exceptional architecture and craftsmanship. Four en suite bedrooms, three half baths, a full basement with wine cellar and tasting room, and a sweeping veranda overlooking the 17th fairway of the Tom Fazio-designed Two Rivers Country Club create a residence of rare distinction.Luxury surrounds you at every turn—from coffered ceilings, coved moldings, leaded glass doors, and walls of windows framing breathtaking views to rich cherry and reclaimed pine floors. An elevator, oversized three-car garage, sunroom, study with wet bar, billiards room, and expansive bonus room further enhance the home’s remarkable appeal. Beyond the residence, Governor’s Land offers a lifestyle few communities can match. The spectacular newly reimagined Two Rivers Country Club has emerged as one of Virginia’s finest private club experiences, featuring exceptional dining, a wine room and wine shop, elegant member gathering spaces, a stunning pro shop, state-of-the-art fitness and wellness facilities, and an indoor golf simulator. A deep-water marina, private beach, swimming pools, tennis and pickleball courts, and miles of scenic walking trails complete this extraordinary waterfront and golf community.

2925 Barrets Pointe Road, Williamsburg

$695,000
3 Beds 3 Baths 2600565 MLS
This fabulous golf-front home located on the 9th hole of the Marsh Hawk course in St. Andrews Village, Fords Colony is perfect for entertaining. The great room impresses with a cathedral ceiling, hardwood floors, built-ins, and fireplace, and opens to a bright sunroom/office. The elegant dining room with crown molding and wainscoting sets the stage for gatherings, while the kitchen offers granite counters, tiled backsplash, full-height cabinets, stainless appliances and a new KitchenAid gas range. A sunny breakfast area with window seat adds charm. The first-floor primary suite enjoys golf views and a stunning updated bath with Carrera marble and basket weave shower tile. Upstairs, two large guest bedrooms provide excellent closets and share a tiled full bath. A storage room offers built-in shelving. Whole-house water filtration and newer windows in the primary and upstairs bath add value. Enjoy the ease of St. Andrews living with beautiful golf views in this inviting home.

102 Alwoodley, Williamsburg

$2,549,000
4 Beds 4 Baths 2600521 MLS
A rare fusion of innovation, design, and luxury– a cutting-edge architectural residence nestled within the gates of Kingsmill, Williamsburg’s premier Resort community. Framed by mature woodlands and tucked into a private terraced lot, the home flows effortlessly across its modern open floor plan, elevated throughout by 8’ Marvin Modern Collection windows. The gourmet kitchen is appointed with top-of-the-line Miele appliances, gorgeous stone countertops and sleek custom cabinetry. Retreat to a serene primary suite with custom closets and spa-inspired bath. Two additional bedrooms share another ensuite bath on the main level with a private office off the front entrance. A screened porch, terrace, and firepit make this home perfect for entertaining. The lower level features a stunning cantilevered staircase, wet bar and recreation room and a state of the art home theater that delivers a true cinematic experience. A fourth bedroom is easily used as a home gym or flex space with a conditioned mechanical room and an immaculate crawl space. Beyond the aesthetics lies an infrastructure few homes can match. Live in sophistication—surrounded by privacy, nature, and resort-style amenities.

132 Jeffersons Hundred, Williamsburg

$1,534,000
5 Beds 6 Baths 2600389 MLS
Welcome to 32 Hampton Key, an exceptional waterfront residence tucked within a private cul-de-sac in the prestigious Kingsmill community. Overlooking the tranquil waters of the Kingsmill Pond, this 5,000 sq ft home offers refined living in a serene setting. Designed for both elegant entertaining and everyday comfort, the light-filled interiors feature soaring ceilings, oversized windows, and a spacious layout with five bedrooms, four full baths, and two half baths. Meticulously maintained and tastefully updated, the home also includes a newer roof for added peace of mind. The chef’s kitchen is equipped with double ovens, a butler’s pantry, and generous prep space. A bright sunroom opens to a large private deck with stairs leading down to a waterfront gazebo, the perfect backdrop for sunset gatherings or quiet mornings by the water. Residents of Kingsmill enjoy access to world-class golf, marina access on the James River, resort-style amenities, and miles of scenic trails — all just moments from this private waterfront sanctuary. This is more than a home — it is a statement of lifestyle. Schedule your private showing today and experience waterfront living in Kingsmill at its finest. Pls note most of pictures reflect the way the home looks now, but AI virtually staged pictures follow each picture that shows the potential of the room.

32 Hampton Key, Williamsburg

$1,165,000
4 Beds 4 Baths 2600300 MLS
Unbelievable new price and opportunity! Step into this stunning home, ready to impress without the need for updates—it's a true masterpiece that shows as if it's brand new! Priced below assessed value, this property features a magnificent interior nestled in a tranquil cul-de-sac, complete with a lower level, unfinished basement (plumbed for an additional bath) just waiting for your personal touch. As you enter, you’ll be greeted by a breathtaking two-story foyer showcasing exquisite millwork, grand chandelier, and a spacious, open layout that invites warmth and comfort. Enjoy elegant 8-foot interior doors and detailed craftsmanship throughout, with beautiful hardwood floors contributing a touch of charm and character. The first-floor office features a vaulted ceiling, custom built ins and a cozy see-through fireplace that seamlessly connects to the dining room for a perfect blend of productivity and relaxation. Straight ahead lies the remarkable vaulted great room and a dream kitchen, equipped with top-of-the-line luxury appliances, striking custom-painted cabinets, sophisticated honed marble countertops, and a polished marble backsplash—all complemented by a cheerful casual dining space. Don’t miss the enchanting three-season screened porch, where a wood-burning fireplace sets the stage for cozy gatherings. The first-floor primary suite offers a lighted tray ceiling, and an incredible primary bath, while the second floor boasts three en-suite bedrooms for ultimate comfort and privacy. Additional highlights include a flexible bonus room that can serve as a fifth bedroom with four built-in bunk beds, plus a dedicated hobby/exercise room on the third level. Conveniently located near all amenities of the premier private country community of Governors Land at Two Rivers (golf, tennis, pickleball, fitness center, walk trails, beach, and marina) this property presents an incredible opportunity for next lucky buyer!

1753 Founders Hill S, Williamsburg

$998,000
4 Beds 4 Baths 2600290 MLS
This beautiful new construction home offers approximately 3,100 square feet of well-designed living space with 4 bedrooms and 3.5 baths. Featuring 9-foot ceilings on the main level, a 10-foot coffered ceiling in the family room, and 8-foot ceilings upstairs, this home feels open and inviting. The exterior includes low-maintenance vinyl siding, a composite front porch, a two-car side-entry garage, and a large covered rear porch with deck. Inside, enjoy LVP flooring in main living areas, plush carpet in bedrooms and bonus spaces, and tile in baths and laundry. Highlights include dual primary suites on the first and second floors, a downstairs home office, oversized tile shower, electric fireplace, semi-custom kitchen with stainless steel appliances, and custom trim throughout.

6 Landing Circle, Williamsburg

$750,000
4 Beds 4 Baths 2600232 MLS
Stunning brick home in desirable 55+ community, exceptionally located across from the club house. This former model offers 4 bedrooms, 4 full bathrooms with gleaming hardwood floors, with a transitional flow perfect for entertaining or quiet evenings. The gracious foyer opens to formal dining, and 4th guest room that could be the perfect office or library. The kitchen has a breakfast bar and flows seamlessly to casual dining, and the great room with gas fireplace. This adjoins to a sunroom with fireplace perfect for quiet mornings. The rear deck has a brand new awning. The 1st floor primary suite offers hardwoods, an ensuite bath with steam shower, and walk-in closet. Making it perfect first floor living. The second floor offers a second primary, large guest room with direct access bath, and a loft with build-ins. There is plenty of storage with a cedar closet and walk-in attic space. All in a beautiful community with abundant amenities, located close to shopping and all that Colonial Williamsburg has to offer.

3527 Saunders Bridge, Williamsburg

$1,130,000
4 Beds 4 Baths 2600133 MLS
The Holden floor plan offers approximately 3,378 sq ft of refined living space with 4or5 bedrooms & 3.5 baths. The first level features a spacious primary suite with dual vanities, walk-in shower, and generous closet, along with a flex room suitable for a private office or sitting room. The kitchen includes a large center island and walk-in pantry and opens to the great room, creating an ideal setting for both daily living and entertaining. A mudroom and separate laundry room enhance functionality. The second floor provides three additional bedrooms, two full baths, and optional loft and media room, allowing for flexible use of space. Floor plans, features, options, and dimensions are subject to change. Photos and renderings may depict optional features.

3319 Yarding Way, Toano

$1,990,000
4 Beds 5 Baths 2600085 MLS
An exceptional new construction opportunity in the prestigious Burwell’s Bluff of Kingsmill, this proposed Heron Model offers elegant living with sweeping views of the James River and surrounding golf course. Thoughtfully designed with timeless architecture and modern sophistication, this two-story residence features 4 bedrooms and 4.5 baths, with every bedroom enjoying a private en-suite bath, along with a two-car attached garage. The home is anchored by two true primary suites—one on the main level and one on the second floor—each serving as a private retreat with spa-inspired baths and expansive walk-in closets. Professionally curated with top-of-the-line finishes, the open-concept living spaces highlight exceptional craftsmanship and elevated details, making the home ideal for both everyday living and entertaining. Perfectly positioned to capture the beauty of its James River and golf course views, this residence blends architectural distinction with effortless comfort, all within the gated Kingsmill community. Heron floor plan, features, and square footage are approximate and subject to change. Buyer to verify all information.

609 Dock Landing, Williamsburg

Some listings may be duplicated in the search results due to the co-mingling of listings from more than one multiple listing service. Should there be different listing information between the duplicated listings; user is advised to verify the accuracy of the listing information before making any financial decisions.