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.*

Learn more

*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

I thought Jim did a great job explaining the mortgage to me in the beginning and working with me to determine best options. He was also responsive to questions/emails when I reached out to him or needed something.

Ramsey A.

I am a first time buyer and I am pleased to say that I was guided through the entire process, They were always very polite and helped me understand the entire process. They were always patient and answered all of my questions. These guys made the process of home buying very easy and pleasant! Thank you so much :)

Jessenia G.

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.

Read more

Laura B.

Start Your Mortgage Process Today

Apply Now

ask a question