--- canonical_url: https://lendb.ai/lo/terry-heffner-95796 json_url: https://lendb.ai/lo/terry-heffner-95796.json nmls_id: 95796 last_verified: 2026-10-09 --- # Terry Ronald Heffner District Manager at Guild Mortgage, Boise, ID. NMLS ID 95796 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/95796)). **Summary:** Terry Ronald Heffner (NMLS 95796) is District Manager at Guild Mortgage, based in Boise, ID. Licensed in Florida, confirmed with the state regulator (license LO116355). Also lists Arizona, California, Idaho, Montana, Nevada, Oregon, Washington and Wyoming on the lender page (not yet checked with the state regulator). Earliest state license record: January 5, 2023 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-09. ## At a glance - Earliest state license record: January 5, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 30 (source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Idaho (ID, lender_reported), Montana (MT, lender_reported), Nevada (NV, lender_reported), Oregon (OR, lender_reported), Washington (WA, lender_reported), Wyoming (WY, lender_reported) - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed - Profile: unclaimed - Status: active ## Specialties ## About Idaho native with 30+ years in real estate. As District Manager and Team Lead for the Heffner Group at Guild Mortgage, Terry helps homebuyers find the right mortgage and builds long-term client relationships. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 30. Source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09. - education: BBA in marketing from Boise State University. Source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09. - credential: Four-year letterman in Broncos football at Boise State University. Source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09. - role: Founder and Team Lead of the Heffner Group, established in 2000. Source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09. - community: Bishop Kelly High Foundation, Little League Baseball, Optimist Football. Source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09. - other: Helped over 4,500 homeowners close more than $750 million in loans. Source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO116355 | active | confirmed | 2023-01-05 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Guild Mortgage (NMLS 3274), Boise, ID. Source: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/95796 ## Contact - linkedin_url: https://www.linkedin.com/in/terry-heffner-1484ab17 (source: lender_site, verified 2026-10-09) - View profile at Guild Mortgage: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html - Office phone and Email on file: shown at https://lendb.ai/lo/terry-heffner-95796#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/95796 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://branches.guildmortgage.com/id/boise/terry-heffner-978-bith.html Cite as: Terry Ronald Heffner (NMLS 95796), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/terry-heffner-95796, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._