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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?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

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?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
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.

99.20% Customer Satisfaction Rating

Hi, I'm Lori!

Senior Loan Officer

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

99.20% Customer Satisfaction Rating

Let me help you get pre-approved today!

2020 marks my 25th year originating Mortgage Loans. As our Branch Originator of the year in 2019, 2018 and 2017, my assistant, Hannah, 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 five (soon to be 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!

Get Started

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's communication and willingness/ability to help were simply incredible. She was always available to answer my questions even during peak periods. She never made me wait for an answer, which kept me feeling comfortable and in control of the transaction. I will never look anywhere else for mortgage needs. I will always call Lori!

    Cedric P, happy client
  • Lori was amazing! I could not be happier with how the process went. She was always there to answer any question no matter how silly. She was as happy and excited as I was. She even gave me such caring words the day we closed. She was a God sent to me. I couldn't thank her enough on helping me buy my first house for me and my son.

    Gintry C, 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 is very knowledgeable with what she does. She knows the process and made it extremely smooth for my fianc? and I to buy our first house. Since it was our first house, she was very good at explaining everything so it made sense to us. This process went flawless.

    Cody C, happy client
  • As first time home buyers, my husband and I really had absolutely no idea what we were doing, and we felt pretty intimidated by the process! Lori was extremely patient with us and walked us through everything, even questions that we thought might be silly. She was prompt, professional, organized, and kind!

    Lorraine E, 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
  • We loved the loan butler. It made it easy to know where we were in the process. We also loved being able to upload the documents online. The whole process was easy. Lori and her loan assistant were fast in replying whenever we had questions.

    Julia O, 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
  • 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
  • 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
  • Everything Lori did as well as my realtor Carol Presley could not have been handled any better than it was. Everything on their side was perfect.

    Patrick R, happy client
  • I liked how quickly the whole process was actually able to go.

    Quentin G, happy client

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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