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.

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.

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
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

    Source of Rating Icon

    Excellent experience with everything!

    Benjamin J A.

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

  • Review 2

    Source of Rating Icon

    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

    Source of Rating Icon

    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

    Source of Rating Icon

    The team at Ruoff cared about our family. They wanted the best for us and were so nice to work with!

    Krista Jo N.

    Mentone, IN, October 20th, 2024 07:29 AM

  • Review 5

    Source of Rating Icon

    The communication and sense of urgency to answer all questions contributed to the overall excellent service.

    Sean C.

    Cromwell, IN, October 11th, 2024 12:38 PM

  • Review 6

    Source of Rating Icon

    My loan process was excellent. Lori did an amazing job explaining the process, giving me options and being available to answer my questions any time I had one. She made sure that I was totally comfortable with every step. It was a seamless process, between her and my realtor Ashley Black I couldn't have asked for a better experience. Buying a home can be stressful and confusing - however I never experienced feeling either of these working with Lori! She is by far top notch! Highly recommend Lori if you are looking for fast, easy to work with and someone who truly cares on getting you the loan you deserve. EL

    Edith L L.

    Warsaw, IN, October 11th, 2024 09:41 AM

  • Review 7

    Source of Rating Icon

    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 8

    Source of Rating Icon

    Lori is awesome!!

    Bridgette Nicole M.

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

  • Review 9

    Source of Rating Icon

    Lori and Heather kept us well informed and answered all our questions. I also liked the Loan Butler application that kept us aware of every step of our loan.

    Clarence E. H.

    Elwood, IN, October 6th, 2024 03:29 PM

  • Review 10

    Source of Rating Icon

    Lori made the whole process a breeze!

    Victoria L.

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

  • Review 11

    Source of Rating Icon

    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 12

    Source of Rating Icon

    Excellent service

    Brian W A.

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

  • Review 13

    Source of Rating Icon

    Excellent customer service and easy to navigate online experience

    Tracey E R.

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

  • Review 14

    Source of Rating Icon

    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 15

    Source of Rating Icon

    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 16

    Source of Rating Icon

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

    Kevin J L.

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

See More

Why should you choose Ruoff?

66

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.

Stay connected.

I would love to hear from you!

Call me at 574.527.5969 or message me below!

Download our !