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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.

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

What My Clients Say

Jim's knowledge of the right mortgage product for my situation was impressive. Very timely response to my questions and concerns, especialky during the holiday season. His team handled complicated tasks efficiently and with due diligence.

Jim is always the best

Jim McNiff is flexible, readily available, a pleasure to deal with, and gets it done .

Jim always communicated with us efficiently and explained any questions we had. He was there with us from the start to finish. Would highly recommend

Jim was a pleasure to work with and was there with answers at every step of the process. Couldn't recommend Jim enough.

James went above and beyond to ensure that we received the most informative and prompt service. During a process that is categorically complicated, confusing, time-consuming, and stressful, James and his team made it as seamless and simple as possible and were thoughtful and professional every step of the way. We feel lucky to have had James on our team and we would recommend him and Total Mortgage to anyone going through the home buying process!

He is always available to answer my questions quickly. The process was easy. He is knowledgeable.

I appreciate the rapid responses and how quickly we were able to close. Jim always made sure that if he could not answer my phone call, he called me back ASAP. The process was easy and made me feel more confident than I ever thought I would feel purchasing a home by myself.

Dear James, I want to express my heartfelt gratitude for all your efforts and dedication. Despite the challenges and my location in another state, you managed to secure an ideal loan for me. The seller's documents were problematic, causing delays of over a month, but you persistently worked with the bank to resolve the issues. Thanks to your hard work, everything went smoothly, and I'm now a homeowner. Thank you so much

The process was seamless and I was very pleased about the experiance.


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