Helping homebuyers nationwide find the right mortgage for their needs.
Terry Heffner
District Manager
NMLS# 95796
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!
Read Blog
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
home equity insights
For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.
Testimonials
I can't say enough good things about Guild Mortgage! Their loan officer (Amy J) was so helpful and reassuring. She knows all the ins and outs of the loan process and gave good advice and guidance all along the way. We will definitely be recommending Guild to our family, who may be joining us in Idaho soon!
I can't say enough good things about Amy Johnson, our loan officer. Moving from Texas to Idaho required a huge leap of faith, and at times it was very emotionally challenging for me. Amy sensed my apprension and gave me clear explanations, prompt follow-ups via text messages and emails, along with kind words of reassurance all the way through the process. I felt I was dealing with an honest, caring person who has the best interests of her clients at heart. In the end, the process went just as she had promised, and smoothly. There were no last minute surprises. I know she had to work really hard to bring it all together on time, as we had a tight time frame until closing. And even though she got sick with pneumonia midway through the loan process, she still stayed in touch with me!!! We are hoping that soon our son and daughter-in-law will be joining us in a move to Idaho, and if they do, I am definitely referring them to Guild Mortgage and specifically to Amy Johnson. She was a blessing to us, and she is a real asset to your organization. In Amy, I found more than an excellent loan officer. I found a FRIEND!
My husband and I absolutely loved our experience working with Hannah. Very impressed with her explanations and help overall with the process of buying our first home
No problems
Amy was AMAZING!!! She was extremely patient with me and took her time to explain each and every step. I cannot express how much it meant to me to be treated so well.
Another fantastic transaction with the Heffner Team at Guild Mortgage!
Before you go
You're about to leave guildmortgage.com and enter an external website.
Please note that Guild Mortgage isn't responsible for the products, content, accuracy, or security provided on a third-party website.
Thank you for visiting us!