About Us

Welcome to Bay County Settlements, Inc.

At Bay County, we strive to help ensure that the settlement process is a positive and memorable experience.  

Our staff has handled a wide variety of real estate transactions across the Washington, D.C. Metro Area:  From Northern Virginia to the Northern Neck, and Suburban Maryland to Southern Maryland. Our settlement officers are licensed Title Insurance Agents appointed to write policies for First American Title Insurance Company, an industry leader. We are bonded and insured, and we comply with the American Land Title Association's Best Practices.  


David M. Stamm, Esq.
(301) 737-3612

David is the President of Bay County Settlements, Inc., the Director of Bay County Title, LLC, and the founder of the Maryland Operation for Bay County Settlements, Inc. David is also the General Counsel for Bay County's parent company, NM Management, Inc. Prior to joining Bay County, David worked in the private practice law firm setting where he advised clients through a wide variety of real estate matters. David's real estate clients have included homeowners, prospective purchasers, developers, builders, lenders, real estate brokers, property managers, landlords, and tenants. Prior to entering private practice, David served as the Law Clerk to the Honorable Steven Chappelle of the Circuit Court for Charles County, Maryland. Education: JD, University of Maryland Carey School of Law; BA, History, St. Mary's College of Maryland. Bar Admissions: Maryland, District of Columbia

Spencer Stephens
Maryland Counsel & Settlement Attorney/ Annapolis, MD Office

Spencer is corporate counsel for Bay County Settlements, Inc., based in our Annapolis office. He is an authority on ethics and professional liability for real estate brokers and agents and on real estate law generally. For 25 years, Spencer was a litigator, representing brokers, agents, surveyors, engineers and others in lawsuits, arbitration and administrative matters. He was outside counsel to Century 21 New Millennium for over 10 years. He's lectured and written extensively on real estate, contract and construction law, especially as it relates to brokers and agents. He earned his law degree from the Catholic University of America in Washington, D.C., and a bachelor's degree in English from East Carolina University in Greenville, N.C. Spencer worked his way through college interpreting classroom lectures for deaf students and is proficient in American Sign Language. He is also a published novelist.

Belinda Quade
Maryland Settlement Officer and Paralegal/ California, MD Office
(301) 737-5107

Belinda is an experienced title professional who prides herself in delivering outstanding service to clients, real estate agents, lenders, and other stakeholders throughout the real estate transactional process. At Bay County, Belinda serves as a Settlement Officer in the California, Maryland Office. Prior to joining Bay County, over a period of twelve years, Belinda climbed the ranks from assistant to processor to manager for an established and respected large, regional title company in the Washington, DC Metro Area. Belinda applies a friendly, but no-nonsense approach to the title process in the effort to keep stress to stakeholders at a minimum.

Roshni Amat
Virginia Settlement Officer/ Alexandria, VA Office
(703) 822-2355

Dave Bryan
Virginia Settlement Officer/Gainesville & Warrenton, VA Offices
(540) 219-1159

Dave has been a resident of Fauquier County for over 18 years and has been in the real estate industry since 2000. Dave has extensive experience in mortgage banking working for Prosperity Mortgage, and Beach First National Bank. He was the President of the Helping Hand Foundation from 2007 to 2010 and was a certified housing counselor. There he successfully assisted over 500 homeowners seek mortgage relief with their lenders. He has been a Realtor since 2010 and joined Bay County Settlements in 2012. Dave conducts settlements in the Gainesville, Warrenton, and Culpeper offices. He brings a wealth of knowledge to the table. Dave navigates clients through the settlement process in a clear and concise manner. Dave believes that no client should ever feel confused about any facet of the settlement after completion. He conducts settlements in a compelling manner that is clear for the first time homebuyer, and the experienced purchaser alike.

Stephen Chertoff
Virginia Title Insurance Underwriter
(703) 822-2380

Steve joined Bay County Title as its underwriter in January, 2000. He has been involved in real estate since the mid-1990s first as a licensed real estate agent and later as a title professional and licensed settlement agent. Steve managed several title agency offices until he had the opportunity to establish his own title company and managed all aspects of its operation. Now he reviews title for all the Virginia offices of Bay County Settlements and prepares title commitments and title insurance policies and endorsements for these offices.

Haley Cupka
Virginia Settlement Officer/Gainesville & Culpeper, VA Offices
(540) 658-2162

Haley was born and raised in Texas but has called Virginia home for the past 15 years. She was working in the legal industry for many years before joining Bay County in April 2016. Her prior legal experience and education at the University of Mary Washington provide her with a unique viewpoint when dealing with difficult, high-stress situations, and she prides herself on remaining cool, collected and coordinated through any transaction. Top-notch customer service and smooth transactions are her number one priority! Haley currently works out of both the Fredericksburg, Virginia and Culpeper, Virginia office, and she processes settlements for the Culpeper, Virginia, Warrenton, Virginia, and Gainesville, Virginia offices.

Cindy Fields
Virginia Settlement Officer/Woodbridge & McLean, VA Offices
(703) 763-5150

Cindy was born and raised in Virginia and has been in the real estate industry for more than 30 years. She started on the ground floor and worked her way up to the top paralegal in the firm of J. Michael Burke, P.C. in Burke, Va. Upon his retirement, she moved to Segan, Mason & Mason, P.C. in Annandale, Va, until her move to Bay County Settlements in January 2016. Great customer service is Cindy's highest priority! Cindy has processed files for Virginia, Maryland and D.C. She is currently licensed in Virginia and is works out of our Woodbridge office

Karin Haid
Virginia Settlement Officer/Fredericksburg, VA Office
(540) 658-2162

Rebecca Jones
Pre/Post Closer- Fredericksburg, VA Office

Allison Keplinger
Pre/Post Closer- Ashburn, VA Offices

Alyssa Bailey
Maryland Settlement Processor/California, MD Office

Hope Said
Maryland Pre and Post Closing Processor/ California, MD
(301) 737-5173


Alexandria, VA

5990 Kingstowne Towne Center,Alexandria,VA 22315
Phone: 703-822-0145 | Fax: 703-822-0715

California, MD

23063 Three Notch Road,California,MD 20619
Phone: (301) 737-5107 | Fax: (703) 633-2496

Fredericksburg, VA

1931 Plank Rd, Ste 201,Fredericksburg,VA 22401
Phone: 540-658-2162 | Fax: 540-658-2163

Gainesville, VA

8078 Crescent Park Drive, Ste 205,Gainesville,VA 20155
Phone: 703-753-7910 | Fax:

McLean, VA

6641 Old Dominion Drive,McLean,VA 22101
Phone: 703-763-5150 | Fax:

Woodbridge, VA

12581 Milstead Way, Ste 400,Woodbridge,VA 22192
Phone: 703-763-5150 | Fax: 703-763-5133

Ashburn, VA

20405 Exchange St, Ste 221,Ashburn,VA 20147
Phone: 571-223-3122 | Fax: 571-223-3133