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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.

99.14% 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.

99.14% 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*

  • 5.0
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    Excellent experience with everything!

    Benjamin J A.

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

  • 5.0
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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

  • 5.0
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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

  • 5.0
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    Friendly and helpful!

    Amber H.

    Kokomo, IN, July 9th, 2024 11:25 AM

  • 5.0
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    Lori went ABOVE & BEYOND for us a 2nd time! She’s the BEST to answer any questions, keeping you informed, and staying on top of things to move them quickly! Our transactions were smooth and flawless!!! We 1,000% recommend her and her Ruoff team to anyone in the market!!!

    Amanda J B.

    South Whitley, IN, June 8th, 2024 05:21 PM

  • 5.0
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    Lori did an excellent job from start to finish! All tasks were completed quickly and I was kept updated on all the steps of the process.

    Elysia I V.

    Warsaw, IN, June 4th, 2024 11:14 AM

  • 5.0
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    Great organization, communication, and very friendly and relatable.

    Austin D G.

    Warsaw, IN, May 8th, 2024 03:38 AM

  • 5.0
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    Lori and Heather made the experience super easy!

    Donald E B.

    Milford, IN, April 19th, 2024 11:16 AM

  • 5.0
    Rating source icon

    Lori was very nice and very helpful threw the whole process

    Jacob K.

    Huntington, IN, April 25th, 2024 11:53 AM

  • 5.0
    Rating source icon

    Everything went really smooth and well

    Alexander R W.

    Warsaw, IN, April 13th, 2024 02:53 PM

  • 5.0
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    From the very beginning the the communication was very good and both Lori and Heather were great attitude helpful and very informative and I am very thankful for the both of them and all of the assistance from start to finish top notch service and highly recommend them.

    Darren E.

    Leesburg, IN, April 14th, 2024 03:31 PM

  • 5.0
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    Lori and Heather went above and beyond to help in the process. I will definitely recommend them to my family and friends!

    Matthew E G.

    Argos, IN, April 12th, 2024 12:29 PM

  • 5.0
    Rating source icon

    Lori made the entire proces very smooth. Right away was informed of what needed to be turned in, if we needed anything else Lori or Heather was quick to communicate with us. We wad kept informed and up to date on the entire process. Before we even looked at our house Lori was on it with getting us numbers and fully inform us. Very quick on responding and wad with us the entire process, any questions and she was quick to answer. We was originally told one date for closing, and bam it happened way faster then planed. The process was very quick and very smooth. Could not of asked for a better experience.

    April E.

    Leesburg, IN, April 11th, 2024 11:49 AM

  • 5.0
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    How helpful they were for me being a first time home buyer and they were so kind and easy to communicate

    Tristen S P.

    GALVESTON, IN, April 9th, 2024 11:03 AM

  • 5.0
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    Lori was always there and made sure everything got done and there was no problems. she made it go very smoothly

    Bailey F S.

    Logansport, IN, March 19th, 2024 03:46 PM

  • 5.0
    Rating source icon

    You guys were very communicative throughout the whole process and if we didn’t understand what you were asking for you’d make sure to call us to explain exactly what you needed.

    Bradley B.

    Pierceton, IN, March 11th, 2024 06:25 PM

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Why should you choose Ruoff?

70

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.

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.

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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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