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.  


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.

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.

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


Alyssa Bailey
Maryland Settlement Processor/California, MD Office

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

Logan Hetherington


Heather Wreath
Operations Manager/ Settlement Officer

Patricia Wilson
Virginia Pre and Post Closer/ Alexandria, VA Office

Kimberly Stephens
Virginia Settlement officer/ McLean, VA Office

Shawn Wyatt
Virginia Pre and Post Closer/ Woodbridge, VA Office

Angie Mueller
Maryland Settlement Officer/ White Plains, MD Office


John Long
President/General Counsel/ McLean, VA Office


Haley Kelly
Virginia Pre/ Post Closer Fredericksburg, VA Office


Britnee McGraw
Maryland Pre/ Post Closer White Plains, MD Office



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: 540-369-4716 | Fax: 540-658-2163

Gainesville, VA

8074 Crescent Park Drive, Ste 205,Gainesville,VA 20155
Phone: 703-753-7910 | Fax:

McLean, VA

6641 Old Dominion Drive,McLean,VA 22101
Phone: 571-495-6025 | 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

Chantilly, VA

4437 Brookfield Corporate Drive, Suite 110,Chantilly,VA 20151
Phone: 703-818-0111 | Fax:

Culpeper, VA

601 South Main Street,Culpeper,VA 22205
Phone: 540-369-4713 | Fax:

Arlington, VA

5094 N. Washington Boulevard,Arlington,VA 22205
Phone: 571-565-2320 | Fax:

White Plains, MD

5010 Regency Place Suite 100,White Plains,MD 20695
Phone: 301-818-4546 | Fax: 301-818-4547

Annapolis, MD

1730 West Street Suite 200,Annapolis,MD 21401
Phone: 301-996-6534 | Fax: