Update: Total Mortgage is still closing loans during the government shutdown.
James McNiff Jr photo

James McNiff Jr

VP/Mortgage Banker

NMLS# 13292

about me

James McNiff Jr. was born and raised in Southern Connecticut, and is proud to still serve area borrowers. After graduating from the Catholic University of America and earning a degree in Finance, James joined Total Mortgage. In the 14 years since, he’s grown his service by word-of-mouth, becoming one of the highest producing and most knowledgeable loan officers at Total Mortgage. He's been named Loan Officer of the Year 6 times, and has a 5-star rating on Zillow. 

Thanks largely to a consultative approach that allows him to focus on each borrower’s needs, James has closed over half a billion dollars in loans for buyers across the country. He's proud to say that these days almost 80% of his business comes from repeat customers and referrals.

In his free time, he plays golf and poker. He's never met a dog that doesn't love him.


Focus on the move, not the mortgage.

Greenlight your loan, and close in 21 days.*

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*Terms and conditions apply. For complete details click here

About Total Mortgage

At Total Mortgage, we work hard to make it easy. Since 1997, we've combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys. No matter the loan, we’re with our borrowers every step of the way, from application to closing. It’s no wonder we are a five-star rated lender on Zillow.

client testimonials

Jim was incredibly helpful throughout the process. He was clear about all the steps to secure the loan. More importantly, he was accessible throughout and prompt in his replies. He made the process smooth and painless. And he was quick to solve any problems that arose. Recommended!


I'll be in touch the next time we have any financing needs. I certainly appreciate the work you did to get us to closing. Our credit scores have jumped since all of that credit card debt is now paid off. Please be sure to keep in touch.

Phil B.

Nat and I would like to thank you very much for the house warming gift that you sent us. It is a very beautiful house plant. We really appreciate it. It is a nice surprise. We really appreciate your professional help to close on the house within 21 days. We will be sure to keep your phone number and e-mail address. I will definitely refer you to our friends or family members, or we may have to purchase another home in the future. You were excellent!


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