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Picture of Lori Horney
Picture of Lori Horney

Hi, I'm Lori!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.67% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Lori!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.67% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Welcome to my website! I’m thrilled to have the opportunity to work with you and share my extensive knowledge of lending. Whether you’re in Indiana, Kentucky, Tennessee, Alabama, or Florida, I’m your go-to mortgage lady.

In March 2024, I will be celebrating my 29th year of originating mortgage loans. As a proud member of Ruoff’s Elite President Club, Branch Originator of The Year since 2017, and recognized as a Scotsman Guide Top Originator in the US, my assistant Heather Coy and I are ready to assist you with all your mortgage needs.

With a background as a Mortgage owner/broker, loan officer, along with experience in processing and closing mortgage loans, I bring a wealth of knowledge to the table. My goal is to help each individual find a mortgage that best suits their unique situation. I am dedicated to providing honest guidance throughout the entire mortgage process. Efficiency, dedication, and determination are values that are easily noticeable to my borrowers, referral partners, and clients.

Outside of the mortgage world, I’m a proud mother of two children, and two bonus children by marriage. My most cherished title is “Grandma” or “Granny” by my nine precious grandchildren. I’m also a sports enthusiast and love engaging in outdoor activities like boating, fishing, swimming, sailing, golf, traveling, and attending community events and concerts. On the home front, I enjoy cooking, gardening, and decorating any home improvement project with my husband.

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President's Club Member

President's club seal 2018
President's club seal 2020
President's club seal 2021
President's club seal 2022
President's club seal 2023

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Review 1

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    Excellent experience with everything!

    Benjamin J A.

    Syracuse, IN, June 6th, 2023 01:53 PM

  • Review 2

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    We appreciate the hard work and open communication through the home buying process! All the staff, especially Lori were kind and through when answering questions. I would recommend her to anyone in the area!

    Catherine J C.

    Warsaw, IN, June 2nd, 2023 09:19 AM

  • Review 3

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    Lori & Heather were great to week with . I can’t say enough positive things about how the process was it was very smooth & easy , & both of them were great with communication & answering any questions!

    DORA J W.

    N Manchester, IN, May 16th, 2023 12:54 PM

  • Review 4

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    Lori is awesome!!

    Bridgette Nicole M.

    Claypool, IN, October 4th, 2024 10:22 PM

  • Review 5

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    Great to work with. Made the process of purchasing a house more enjoyable than we initially thought!

    Thomas JR M.

    Claypool, IN, October 4th, 2024 04:30 PM

  • Review 6

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    Lori made the whole process a breeze!

    Victoria L.

    Leesburg, IN, September 26th, 2024 11:07 AM

  • Review 7

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    Everytime I had a question or needed help you guys were quick to respond and help me out.

    Leeanna J.

    Rochester, IN, September 23rd, 2024 07:49 AM

  • Review 8

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    Excellent service

    Brian W A.

    Warsaw, IN, September 22nd, 2024 01:21 AM

  • Review 9

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    Excellent customer service and easy to navigate online experience

    Tracey E R.

    Warsaw, IN, September 22nd, 2024 03:18 PM

  • Review 10

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    Lori and Heather were both really great to work with, always communicating any issues that came up in the process and very responsive to any questions. Professionalism and teamwork are what they demonstrated …great job!

    Charles R V.

    Warsaw, IN, August 29th, 2024 11:21 AM

  • Review 11

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    Everything was top notch information service and any questions was answered even after the closing was done in am very happy with Lori and her team

    Ryan D S.

    WARSAW, IN, August 20th, 2024 12:58 PM

  • Review 12

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    Able to help me with questions in getting my 401k withdrawal complete.

    Kevin J L.

    Warsaw, IN, August 16th, 2024 11:06 AM

  • Review 13

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    Lori was awesome to work with and outgoing. Lori worked hard and kept me up to date on things that needed to be done and got me in a house in no time. Thank you

    Laken Blue A.

    Mentone, IN, August 14th, 2024 11:11 AM

  • Review 14

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    Lori was there with me every step of the way answering all my questions and concerns that i had throughout my home search and my home closing. Im very great full that she was my loan officer. Definitely will choose her again down the road for another home if i decide to move again

    Adara L C.

    Kokomo, IN, August 12th, 2024 11:08 AM

  • Review 15

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    It was easy. Honestly my wife did most of the dealings I just signed the papers.

    Charles V.

    Argos, IN, August 9th, 2024 11:44 AM

  • Review 16

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    I am very number oriented and needed constantly reassurance from Lori about the fees, monthly payments, and closing costs. She handled my neediness with amazing grace and never made me feel like I was bothering her. This is why I have sought her expertise for many years now!

    Heather V.

    Argos, IN, August 6th, 2024 11:06 AM

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Why should you choose Ruoff?

67

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

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I would love to hear from you!

Call me at 574.527.5969 or message me below!

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