Jeffrey M. Nowak Principal and Founder Cobalt Settlements, LLC  Attorney at Law, MBA

Jeffrey M. Nowak, Principal and Founder
Cobalt Settlements, LLC
Attorney at Law, MBA

Jeffrey M. Nowak has over 15 years of experience in the Virginia and DC real estate title industry. He is a sought after speaker and educator in the Washington, D.C. metro area. Over the years, Jeff has conducted thousands of real estate settlements and has taught many of the area real estate professionals on continuing education topics and relevant real estate matters. In his free time, Jeff enjoys participating in triathlons, watching all Michigan State sporting events, and working in his yard. He is a married father of 3 boys.


Michigan State University

University of Detroit Mercy School of Law – Juris Doctor, Cum Laude

Carroll School of Management at Boston College – MBA/Finance; Summa Cum Laude

Connect with Jeff on LinkedIn




Semmes Zazzara

Semmes Evans Zazzara, Counsel
Cobalt Settlements, LLC
Attorney at Law

Semmes Evans Zazzara is an experienced real estate settlement attorney who began conducting closings in early 2002. She graduated from Tulane Law School in New Orleans, Louisiana, as President of her graduating class and has been a member of the District of Columbia Bar since 1991. Semmes focuses on real estate settlements in Virginia and DC, and works closely with real estate agents, loan officers and clients to ensure smooth, problem-free closings.

Semmes joined Cobalt Settlements, LLC in September 2017.

Semmes raised two boys in Arlington and was heavily involved in the PTA and fund-raising for Arlington Public Schools. She was also involved in the Arlington County Parks & Recreation Department as a team manager for boys’ lacrosse and baseball teams for eight years.

Semmes is licensed as a title agent in Virginia and the District of Columbia.





Laurie Kummer

Laurie Kummer, Operations Manager
Cobalt Settlements, LLC

Laurie Kummer is the Operations Manager at Cobalt Settlements. Originally from Connecticut, she earned her Undergraduate degree from Post University in Waterbury. She has been in the Real Estate and Finance industries for her entire career, including areas of mortgage origination, release tracking, and title insurance prior to title settlement. Laurie spent 15 years as an Operations Manager at The Hartford in Connecticut and earned her Green Belt in Lean Six Sigma. Her passion for process improvement and customer service means she is always looking for ways to make the settlement process smoother and easier for our customers, our partners, and our team.







Andrea Underwood

Andrea Underwood, Closing Manager
Cobalt Settlements, LLC
Licensed Title Agent

Andrea Underwood was born and raised in Northern Virginia. She has 15 years of experience as a Licensed Title Agent. In her free time Andrea enjoys spending time with her friends, family and pets.

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