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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%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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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
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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.

99.40% Customer Satisfaction Rating

Hi, I'm Lori!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating

Let me help you get pre-approved today!

2021 marks my 26th year originating Mortgage Loans. As a member of the Ruoff’s Elite President Club and Branch Originator of the year in 2020, 2019, 2018 and 2017, 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 children by marriage, and grandmother of six precious children. 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!

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President's Club Member

President's club seal 2018
President's club seal 2020

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
  • Lori was phenomenal! Our buying/building process took more than a year to complete and Lori was there to answer questions and assist us the entire way. Her communication with us was outstanding and her knowledge was unsurpassed. We could not have asked for better service.

    Laurie W, happy client
  • Lori is the absolute best. She is fun and relatable and makes a slightly scary project less intimidating! She and Ruoff are my choice forever and ever.

    Erin L, happy client
  • Extremely prompt and very smooth sailing experience as always! This is our 2nd time going through Lori and we wouldn’t change a thing! She is phenomenal and knows the ins and outs of everything!!!

    Zeb & Amanda B, happy client
  • Lori was amazing. Our old mortgage company was difficult to get information from. Lori went above and beyond to make the process as easy for us as possible.

    Amanda K, 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
  • 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
  • Lori was absolutely amazing! She was quick to respond, beyond friendly and gave us the best possible service! We would recommend Lori over and over again!

    Megan A, happy client
  • I really appreciated that Lori was always available to answer our questions. This was the second house we'd purchased with her help and we will always refer our friends & family to her!

    ShaNell B, happy client
  • I LOVE the Milestone emails. Both as a buyer and as a Real Estate Agent. What I learned as a buyer is the Milestones help with communication with the spouse as well.

    Jeff O, 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 so nice to work with happy helpful humans! It's a lot of paperwork and something my husband and I were not looking forward to. In the end, we said, "Well that was easy". So thankful for your awesome team Lori!

    Mallory R, happy client
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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!

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