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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.

client testimonials


Excellence in follow through from start to closing! Am so happy with Total Mortgage and their “can-do”.

Nancy O Geehan


Very happy closing happened as scheduled. The process wasn't as stressful as predicted, thanks to Jim.

Sheniqua Coleman


Great communication throughout the process. Kept us up to date to keep things moving. Learned a lot from him along the way as well.

Daniel Joseph Porrelli


James was very helpful and was always available when I had a question. My experience was great and will recommend him and his team to anyone that is looking for help as a first time home owner.

Iliana Collado


He is the best at what he does, the loan process was seamless. We saw the house and closed within 29 days, 3 days before Christmas, great gift we received with the help of Jim and his team.

David Guzman


James made sure that he was always around if I had to any questions about my home buying process! It was easy to understand and quick to sign and review! Thank you for being apart of my experience and even being available after!

Julio Montanez


Highly recommend Jim for his professionalism. He was really quick to response to all my questions. Does not rush when he attend to my calls. We were able to close within 21 days!

Richard Vo


Jim and his team were great and couldn't have made the home buying process easier. I couldn't recommend them enough. Thanks again!



Jim is a very knowledgeable broker who goes out of his way to satisfy your needs. Professional, helpful and goes the extra mile to complete the job!

Charlie Yost


Jim was fantastic to work with! Always in communication with us for an extremely smooth process and closing!

Alexa Rizzardi


Focus on the move, not the mortgage.

Greenlight your loan, and close in 21 days.*

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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.

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