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Boise Loan Expert: 30 Years Helping You Find the Right Mortgage

Helping homebuyers nationwide find the right mortgage for their needs.

About me

Terry Heffner is an Idaho native and proud Boise resident with over 30 years of experience in real estate. As the Idaho Area Manager, Loan Officer, and Team Lead for the Heffner Group at Guild Mortgage, Terry is here to make your home-buying journey not just successful, but enjoyable! His mission? To create “customers for life” by providing top-notch service that feels personal and tailored just for you.

Terry's background is as colorful as his personality. A proud graduate of Bishop Kelly High School and Boise State University, he earned his BBA in marketing while dazzling fans as a four-year letterman in Broncos football. When he’s not working hard for his clients, you can find him cheering on his beloved BSU team or getting involved in local community initiatives like the Bishop Kelly High Foundation, Little League Baseball and Optimist Football. Terry, along with his wife Kirstin, is also a proud parent of two, Hannah and William, and a delighted grandparent to two energetic grandchildren, and two more on the way!

The Heffner Group Team
The Heffner Group, established in 2000, is a close-knit family. Alongside Terry, Amy Johnson has been with the team since 2001, and in 2019, they welcomed Hannah Martin. In 2023, the team expanded with Business Development Coordinator Hannah Reynolds, bringing even more enthusiasm and expertise to the mix. Our in-house processors, Kali Houdek and Bre Senden, along with Operations Manager Diane Bramble and funder Kayleen McClenny, are all dedicated professionals who ensure a seamless loan process and a fun, engaging experience.

We believe in making dreams come true! Since our inception, we’ve helped over 4,500 homeowners unlock the doors to their new homes, closing more than $750 million in loans. We’re not just about numbers; we’re about relationships, which is why we’re proud to be in the top 1% of originators nationwide—thanks to our amazing returning clients!

Our Mission
At the Heffner Group, we’re your Home Loan Consultants and your biggest cheerleaders! We help you navigate the world of home financing, making solid loan decisions that align with your financial goals and dreams. Think of us as your go-to resource for all things financial, with the aim of being your lender for life.

So why wait? Let’s turn your homeownership dreams into reality together—because with Terry and the Heffner Group, you’re not just a client; you’re family!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.89
5.0
JENNIFER
Dec 16, 2024
Boise, ID
Verified

Another fantastic transaction with the Heffner Team at Guild Mortgage!
Chris K
Dec 17, 2024
Verified

Hannah was excellent. From start to finish the service was everything a first time home-buyer would need. Answered every question clearly & quickly. I will never use another company.
Christopher
Dec 16, 2024
Boise, ID
Verified

Hannah was phenomenal. Great communication, always answered questions clearly and gave clear guidance from start to finish.
Elizabeth
Dec 16, 2024
Boise, ID
Verified

For an overwhelmed first time home buyer, Hannah/Terry/ & team went above and beyond to make the home buying process as easy as it could be. They were incredible to work with, as they helped us navigate all aspects of the transaction (even if it wasn't a lending specific question). We were so grateful to have them in our corner through this process!
David
Dec 16, 2024
Kuna, ID
Verified

Excellent service from beginning to end. Everyone provided great service!
Elizabeth
Dec 16, 2024
Kuna, ID
Verified

Everyone we worked with was excellent! They took the stress out of purchasing our new home! Would recommend then to everyone!

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Awards

Causes I'm
passionate about

member of Guild Giving
NMLS ID #95796
I am authorized to do business in the states of Arizona, California, Florida, Idaho, Montana, Oregon, Washington and Wyoming. AZ BK#0018883; AZ BKBR# 0124899; AZ LO Lic.# 0950885; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; Branch NMLS ID 107908; OR ML-176;