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.

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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.

client testimonials

I was extremely impressed with Jim from day one. He answered all of my questions quickly and efficiently, and made the entire refinance experience a lot easier.

Catherine B.

Closing yesterday went flawless. It was a pleasure doing business with you and I will not hesitate to recommend your services to anybody who may have similar needs. Thank you for everything.


Jim is terrific Fourth time closing with Jim. Every time, everything is very smooth and on time. I give him a lot of unusual scenarios to work on, as he has solutions for everything. He is meticulous with Govt compliance, but this never overwhelms you. At the end the loan goes really smooth. All details are foreseen and coordination with appraisal, home inspection, closing company is every time on time - no exception. He is clear what you should expect at the beginning of the process and confident for completion, if you give him honest perspective of yourself, your credit rating and finances.

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Anastas P.

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