Lori Horney

Hi. I’m Lori, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 574.527.5969 or lori@ruoff.com

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


Lori Horney has been in the mortgage business for over 23 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

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, or USDA loan.

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.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

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