The Heffner Group at Guild Mortgage

10/15/2026

Every 5-star review starts the same way: with questions.

Can we afford this?
What are our options?
Who can we trust to guide us through the process?

By the end, those questions become keys in hand, a smooth closing, and confidence that someone was there every step of the way.

The reviews in this post aren't just ratings. They're stories from people who trusted us with one of life's biggest decisions. We're grateful to be part of each one.

🏡 Thank you to our clients and referral partners for allowing The Heffner Group to help turn goals into homes!

10/12/2026

5.0 star review received on Experience.com for Terry Heffner by Edwin E - Everyone worked as a team. Underwriting was efficient and each team member knew their job well. This was a very smooth loan experience. I would greatly recommend this team to anyone desiring a real estate loan. Thanks to all of you. Great job!

Click to see all 551 reviews of Guild Mortgage - Terry Heffner, District Manager | NMLS # 95796

10/11/2026

5.0 star review received on Experience.com for Terry Heffner by Danielle S - The Heffner Group at Guild consistently exceeds expectations, and truly cares about their clients! Highly reccomend them.

Click to see all 551 reviews of Guild Mortgage - Terry Heffner, District Manager | NMLS # 95796

10/11/2026

5.0 star review received on Experience.com for Terry Heffner by Lucas S - Terry and his team are extremely experienced, professional, and care about truly getting you the best setup for your situation. Terry walked us through everything and what he was seeing, as well as provided guidance and answering all of our questions. We would highly recommend him and his team to anyone!

Click to see all 551 reviews of Guild Mortgage - Terry Heffner, District Manager | NMLS # 95796

10/08/2026

Higher rates, rising costs, and stricter qualification requirements have made homeownership more challenging than ever.

If your buyer was denied financing or their loan fell through, don't assume the journey is over. With their permission, we can review their current situation, discuss alternative financing possibilities, and help uncover next steps.

While approval is never guaranteed, a second opinion can make all the difference.

💬 Send us a DM to learn more.

10/06/2026

You can now pair our Builder StrongStart program with our Zero Down option, helping reduce what you pay upfront plus the first few months interest.

Here’s what that could mean for you:
✅ No down payment*
✅ First 5 months of interest covered**

It’s a more manageable way to step into a brand-new home, with less upfront pressure and more room to plan ahead!

Ready to take the next step? Let’s talk!

📞 208-901-3822
📧 [email protected]

10/01/2026

Interest Rate vs. APR: Think of interest rate as the tip of the iceberg while APR is the whole iceberg!

Interest rate is like the visible part, but APR includes all the hidden fees and charges lurking beneath the surface.

Questions? Call us today!

📞 208-901-3822
📧 [email protected]



Terry Heffner NMLS 95796 Guild Mortgage Co. Equal Housing Lender; Co NMLS 3274.
nmlsconsumeraccess.org. guildmortgage.com/licensing

09/21/2026

🚨 Zillow is NOT step one.

Step one is having a strategy.

The buyers who have the smoothest experience are usually the ones who:
✅ Get pre-approved early
✅ Understand their budget
✅ Have a trusted lender and agent on their side

What's the first thing you look for when house hunting?

👇 Tell us in the comments: Kitchen, backyard, location, or master bedroom? 🏡✨

09/15/2026

Reverse mortgages come with plenty of opinions. But how many are based on the facts?

Understanding how a reverse mortgage works can help you separate common misconceptions from what this option may actually mean for you, your home and your heirs.

Get the facts. Know your options. Call the Heffner Group today to see if a reverse mortgage could work for you.

📞: 208-901-4568
📧: [email protected]

09/10/2026

✨ Looking for a clean, updated home in a prime Boise location?

This 3-bedroom home offers modern updates, central air, sprinkler system, covered carport, and easy access to Boise State University and downtown Boise!

📍903 S Beechwood Dr, Boise
💲$2,000/month | $1,500 deposit
📞 Contact Terry Heffner: 208-599-8500