James McNiff, Jr. of Total Mortgage Provides Guidance for Mortgage and Lending in Fairfield County
The world of mortgage lending can be difficult to navigate for someone with little experience. With the constant ups and downs of the housing market, as well as the unpredictability and complexity of the financial and business world, people need someone who can help them through the entire process. Luckily, there are various businesses that can fit that description — especially Total Mortgage, whose experience and know-how have assisted thousands in the area of mortgage lending. Founded by businessman John Walsh in 1997, Total Mortgage was founded on personal experience, knowledge of the mortgage industry, and a “briefcase full of big ideas,” in the words of its founder. The company was actually one of the few lenders to survive the 2007 housing crisis intact, thanks to the company’s policy of only offering clients the loans they knew they could afford. While other lenders were making millions putting borrowers in homes they couldn’t afford and signing off on the deals that directly led to the recession, Total Mortgage’s foresight and integrity kept the company and its clients thriving into the modern day. But what does this have to do with Fairfield County? As it happens, for those in the area trying to figure their way through the complexities of mortgage lending, there is a solution — James McNiff, Jr. of Total Mortgage has established himself as one of the top lenders in the state of Connecticut, and is able to help customers from across the county navigate this often taxing process.
Born and raised in southern Connecticut, James McNiff, Jr. has always been proud to serve the people of Fairfield County. He joined Total Mortgage after graduating from the Catholic University of America with a degree in Finance, and has established himself as a trustworthy and dependable name in the lending industry. In the fourteen years that he has worked for Total Mortgage, McNiff, Jr. has grown his service through word of mouth, and become one of the highest producing and most knowledgeable loan officers in the history of the company. Among his other accomplishments, he has a five-star rating on the site Zillow, and has been named Total Mortgage’s Loan Officer of the Year six times.
According to the man himself, James takes on a consulting approach when it comes to the system of lending and mortgages, allowing himself to focus entirely on his clients’ needs. He has dedicated himself entirely to understanding what customers want and can afford from their meetings, and uses this information to provide his base of consumers with the best deal possible. Thanks to this sense of connection and comprehension of his clients and their needs, he has closed over half a billion dollars in loans for buyers across the country. A personal source of pride for himself, James has said, is that almost 80% of his business comes from repeat customers and referrals.
While the world of mortgages and lending can be an enigma to comprehend sometimes, it is nice to know that there are experienced guides like James McNiff, Jr. to light a way through the maze and provide the best outcome possible for his clients. Whether it’s through helping customers close on a property or helping them through the lending process, James emphasizes experience, convenience, and understanding the customer above all else.
