Terry Heffner
District Manager
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
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!
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.
Testimonials
NMLS ID #95796
I am authorized to do business in the states of Arizona, California, Florida, Idaho, Montana, Nevada, 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; NV Mortgage Company #1141; OR ML-176;