Picture of

What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
Please complete all fields.
High Contrast:
Get Started
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.

98.90% 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.

98.90% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Thank you for visiting my website.  I look forward to working with you and sharing with you my knowledge of lending.

2023 marks my 28th year originating mortgage loans. As a member of the Ruoff’s Elite President Club and Branch Originator of the year in 2022, 2021, 2020, 2019, 2018 and 2017 as well as a Scotsman Guide Top Originator in the US, my assistant, Heather Coy, and I are ready to assist you with your mortgage lending needs. I have experience as a Mortgage Owner/ Broker, Loan Officer, and both the processing and closing of mortgage loans. I am very knowledgeable and will help each individual obtain the type of mortgage which is truly best for their individual situation. I'm committed to honesty and guidance to clients throughout the mortgage process! Efficiency, dedication, and determination to the job are all easily noticed by my borrowers and referral partners and clients I have worked with!

I am a mother of two children and two bonus children by marriage.   My favorite title is “Grandma or Granny” by my nine precious grandchildren. I enjoy a variety of sports and many outdoor activities, including boating, fishing, swimming, sailing, golf, traveling, and attending community events and concerts. I also love cooking, gardening, and decorating any home improvement projects with my husband.

I am dedicated to continuing education and current guidelines and regulations. I'm excellent at preparing my clients for the mortgage process and credit approval and getting my clients to the closing table. In 2009, I moved to Ruoff 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 we 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 #TheLoriHorneyTeam have much to offer clients who are looking for low costs, competitive rates, the most loan programs, sound advice, and that hometown bank feeling!

Get Started

President's Club Member

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

What is your goal?

Buy a Home

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


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*

  • Lori Horney was fantastic!! Always positive, upbeat and very nice. She made it easy and was always responsive regarding my questions. Truly the best loan officer ever. The Ruoff website regarding the loan progress was great, made it easy to upload documents and keep informed of the status of the loan. Loved everything about my experience. Thank you so much Lori!!

    Cheri T, happy client
  • Super friendly and wonderful!

    Alicia D, happy client
  • Lori and Heather were awesome to work with. They kept me informed and kept the process moving smoothly. We closed quickly and now I'm enjoying my new home. They answered my questions quickly and helped ease and concerns that I had. As far as the lending side of things, I couldn't be happier. Thanks so much Lori and Heather. You're the best.

    James W, happy client
  • Lori Horney and Heather Coy were absolutely fabulous during this process. They made everything easy and literally kept everything calm and stress free. I honestly can't thank these 2 women enough for the work they did. I threw many emails, text messages, phone calls and they always knew the answer to my many questions. Lori and Heather took care of everything.

    Michael F, happy client
  • Lori was on top of things and we didn't have to worry. Our last home buying experience with a different company was the complete opposite. So we were very thankful.

    Brittany C, happy client
  • It was a pleasure working with Lori Horney. I felt like she actually cared about me as a person and not just interested in getting the loan processed. This was my first time buying a home and she made it a great experience.

    Katherine L, happy client
  • We liked how quickly emails were answered. We never felt unheard. This was our first time going through a mortgage loan, and we never knew it could be so easy.

    Molly M, happy client
  • Communication was consistent, prompt, and clear. I knew exactly what I needed to do in response to the requests and emails. It was a small gesture, but the gift of two Starbucks travel mugs and the gift card were completely unexpected but greatly appreciated. That gesture left a very good impression.

    Anthony C, happy client
  • The whole loan process was so easy and done quickly. I apllied on Sept 8 and closed Oct 1. Lori was so knowledgeable and friendly my loan was exactly what she said it would be. She was great to work with and I highly recommend. I would have done nothing differently.

    Tracey J, happy client
  • The process was smooth and worry-free. I felt important to Lori and Heather, they made time for any questions or concerns. They never rushed me and took the time and care to help me in each step. I wouldn't have changed anything, they were my dream team!

    Christal H, happy client
  • Lori was fabulous. She was so quick to answer any questions, she was knowledgeable and helpful. Heather was great as well, she immediately replied to emails and was super friendly. These two really made this entirely painless for me.

    TARA W, happy client
  • This is the 2nd time refinancing with Ruoff. Lori has always been terrific to work with. She is friendly, responds to any questions very quickly, and was very helpful throughout the whole process. Couldn't imagine working with anyone else.

    Daniel W, happy client
See More

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

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.

Stay connected.

I would love to hear from you!

Call me at 574.527.5969 or message me below!

Download our !