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'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.

I appreciate your work. I am very pleased with your organization so far and I feel like I can refer you again with confidence. In fact, the notary said you gave us the best deal that she has seen in over a year. That gave me a big happy face. Thank you.


Extremely helpful As a potential home buyer I was not certain about loan approval or credit line of purchase, I called Total Mortgage and spoke with Jim who was extremely helpful. He talked me through getting my credit score where it needed to be and I was pre-approved for a loan in less than 1 day. I found the home of my dreams and Jim walked me through the steps of home purchase through to closing. He was very helpful and worked with me later in the day and on weekends to fit my schedule. I highly recommend Jim and his team for those who are thinking of purchasing a home I highly recommend Jim at Total Mortgage.

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Laura B.

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