A huge advantage that we offer is our loan servicing.  We service nearly every loan that we close.  Our clients have come to understand how important a local, knowledgeable servicer is.  Many of our clients know our servicing employees on a personal level.  They are able to call our Southfield, Michigan office and ask for someone by name, rather than through prompts and 1-800 numbers.  If the situation warrants, they can even schedule an appointment and come in for a face-to-face meeting.  

Bernard Financial Servicing Group is a primary servicer for commercial mortgage loans. We perform full cashier servicing for both Life Companies and CMBS loans. In 1993, Bernard Financial Servicing Group started Life Company servicing. In 1998, Bernard Financial Servicing Group began full cashier servicing for conduit lenders. Bernard Financial Servicing Group is a CREFC compliant Primary Servicer for CMBS loans and carries the appropriate levels of Fidelity Bond and Error and Omissions insurance coverage.  We are currently servicing approximately $3,800,000,000 and use FICS Servicing Software system.

Below please find our current roster of correspondent lenders for whom we primary Service for:

Life Companies CMBS
Advantus Capital Mgt. Bank of America
AEGON Bank of New York / IH Capital
Ameritas Investment Partners Capital Freedom Small Loans
Assurity Life Insurance Company CIBC
CUNA/Members Capital C-III Commercial Mortgage
Genworth Citigroup
Guggenheim Credit Suisse
Ohio National CWCapital, LLC
One America Financial Partners, Inc. Deutsche Bank
Protective Life Goldman Sachs Commercial Mortgage Capital, L.P.
Prudential  Guggenheim 
StanCorp Mortgage Inv. J.P. Morgan Mortgage Capital, Inc.
Symetra Keybank 
TIAA Ladder Capital

LoanCore Capital

Morgan Stanley Mortgage Capital, inc.

Providence Equity Capital Markets



Starwood Mortgage Capital LLC


Walker & Dunlop

Wells Fargo


Additionally, we have full Primary Servicing Agreements with the following Master Servicers:

Bank of America


Berkadia Commercial Mortgage LLC

Midland Loan Services, Inc.

CWCapital, LLC.

Wells Fargo Bank Association

KeyCorp Real Estate Capital Markets, Inc.




Crystal Kalinowski CCMS - Senior Vice President

Crystal is a graduate of Texas A&M University. She began her career at Banc One Mortgage Capital Markets in Houston, Texas in 1996. She spent several years closing commercial mortgage loans before she began working for Argus Software, thereby learning the analytical side of the real estate business.  In 2001 she moved to Michigan and soon thereafter began her career in commercial mortgage servicing with Bernard Financial Group. She is a graduate of the MBA Commercial Mortgage Servicing Course. Additionally, she worked with an MBA task force to create and obtain the CCMS Designation.  She currently serves as vice chair on the MBA Servicer Council and currently oversees the Servicing Department at Bernard Financial Servicing Group with a loan portfolio in excess of $3.2 billion.

 Barbara Graves - Controller


Barbara joined Bernard Financial Group in 2002. With over 30 years of accounting experience in varied business backgrounds, she is proficient in account analysis and complex bank reconciliations. As the Servicing Controller for Bernard Financial Group, Barbara oversees the monthly processes in Mortgage Servicing and also performs the daily corporate accounting functions. She is responsible for disbursements to Master Servicers; and timely payments from the tax and insurance escrow accounts. Barb responds to requests from borrowers, and also does property site inspections.


Stefanie Johnson - Compliance Officer


Stefanie has her Bachelor’s Degree from Wayne State University. She comes to us from Comerica Bank, where working as a Global Analyst honed her analytical skills. She is responsible for overseeing and managing regulatory compliance and insurance for the Servicing Portfolio. Also, she is proficient in bank reconciliations, property inspections, escrow analysis, and the new loan on-boarding process.



 Justin Baylis - Senior Portfolio Manager  



Justin joined Bernard Financial Servicing Group as a Portfolio Manager after graduating from Michigan State University with a B.A. in Economics.




Samantha Beer-Portfolio Manager

Samantha serves as a Portfolio Manager for Bernard Financial Group. Samantha joined Bernard Financial Servicing Group in 2017 as an Asset Manager and has a Bachelor of Business Administration Degree in Finance from Walsh College.

While away from the office, Samantha enjoys spending time with her husband, Matt, and their son Anson.



Jada Duncan - Servicing Specialist  


Jada has a Bachelor’s of Business Administration in accounting from Western Michigan University. Jada started her career in finance with a local credit union as a full time teller prior to joining Bernard Financial.  Her responsibilities include assisting the servicing department in several capacities, including but not limited to, entering new loan information, bank reconcilliation, processing property tax payments along with escrow analysis.