: 574.527.5969
: lori@ruoff.com

Hello.

Lori Horney has been in the mortgage business for over 21 years. She has experience as a Mortgage Owner/ Broker, Loan Officer and both processing and closing of mortgage loans. Lori is very knowledgeable and will help each individual obtain the type of mortgage which is truly best for their individual situation. Lori is committed to honesty and guidance to clients throughout the mortgage process! Efficiency, dedication, and determination to the job are all easily noticed by her borrowers and referral partners!

I am a very active mother that follows my children's sports and various activities. I enjoy a variety of sports and many outdoor activities. Including boating, fishing, swimming, sailing, golf, traveling and attending community events and concerts. I am also active as a church mentor and with various study groups.

Lori specializes in FHA, USDA, VA, and Conventional financing as well as Indiana Housing Programs. She is dedicated to continuing education and current guidelines and regulations.  Lori is excellent in preparing her clients for the mortgage process and credit approval and getting her clients to the closing table.  Call Lori to move you in the right direction with mortgage financing.

In 2009, Lori moved to Ruoff Home Mortgage.  Ruoff has been providing home loans since 1984. We pride ourselves in maintaining a good working relationship with our clients and commitment does not end when complete the transaction.  We also track the specific conditions of your loan against market conditions.  We offer a wide range of loan options from which to choose.  Lori Horney and Ruoff Home Mortgage Team have much to offer clients who are looking for low costs, competitive rates, and the most loan programs, sound advice, and that hometown bank feeling!

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

 

Step Ahead

Confirm your home financing options ahead of schedule

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Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, USDA, or IHCDA loan.

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Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

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One time Close, New Construction Program

Mortgage Credit Certificate (MCC)

The Indiana Housing And Community Development Authority (IHCDA) offers the MCC Program to make homeownership more affordable for first-time home-buyers.

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Mortgage Credit Certificate (MCC)

Do you have a Home Loan or Mortgage Question?

I meet Realtors and Homeowners everyday who are stuck. They need assistance with the best home loan option available. If you're working through a challenge and need some help, I’m happy to chat with you and provide you with some advice. Buying a Home is a very rewarding experience, and I'm happy to share my knowledge to help you buy your home

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Client Testimonials

 


    Realtor Testimonials

     

    • A lot of my buyers choose Lori Horney (Ruoff Mtg) to get their loans for purchasing homes. The feedback is always Positive, as she stays on top of things communicating with underwriters and the buyers. As a Realtor, I love working with Lori, as she makes my buyers happy and is informative 100% throughout the transaction. Besides her positive outlook on everything, she is very easy to work with and is always looking out for her clients best interests! I've also had several clients use Lori for refinancing their homes .......same quality and integrity!!!

      CHOOSE LORI...YOUR LENDER FOR LIFE

      Christie Baker

      RE/MAX Rainbow

    • I have worked with Lori in many transactions; with buyers whom have been completely educated about their mortgage options and the different loans available. Lori has always been able to qualify the buyer for the loan that best meets their needs with the home they are purchasing. Which makes my job of educating the buyer regarding home purchasing a lot easier. Also knowing my buyer was pre-approved means I, their realtor, knew what to look for in a home to assure them that the home would work with the loan they were approved for. Whether it is a USDA, FHA, VA or Conventional Home Loan ~ Lori has the years of experience to best meet your lending needs. My husband and I also used Lori as our Mortgage Agent, knowing she would take care of us as well as she takes car of my buyers. Great service and communication are always at the top of her CAN-DO's - She simply is wonderful to work with.

      Janie Conley

      RE/MAX Rainbow

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