Picture of

What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

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.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

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.
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.

99.89% Customer Satisfaction Rating

Hi, I'm Lori!

Senior Loan Officer

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

99.89% Customer Satisfaction Rating

Let me help you get pre-approved today!

I have been in the mortgage business for over 24 years. I have experience as a Mortgage Owner/ Broker, Loan Officer and both 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!

As a mother of two adult children, and grandmother of three 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 her husband.

I am dedicated to continuing education and current guidelines and regulations. I'm excellent in preparing her clients for the mortgage process and credit approval and getting her clients to the closing table. In 2009, Lori 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 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 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!

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

  • I wish that I could Lori and Maria Haverstock a 100 out of 100! They were always a email or phone call away. Always willing to answer ANY questions I had as a first time home buyer. I can not begin to express how much we appreciate all the help and attention we received...words cannot describe how much these ladies feel like family to us now!

    Lindsay K, 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 did very well with explaining the process of getting a mortgage and always made sure we understood what was going on. She also did very well with responding to our calls, texts, and e-mails in a timely fashion.

    Montana G, 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 was absolutely amazing! We were first time homebuyers and she made sure we understood everything and was timely with her responses. She made sure the process was smooth and we had a great time at the closing, and again was always prepared to answer our questions!

    ShaNell B, happy client
  • 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 absolutely amazing. It was nerve wrecking going through underwriting and having to submit so much paperwork but she made the process so much better by being there for anything I needed. I can't thank or praise her enough.

    Adriene 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
  • Both Lori and Maria were extremely easy to work with and very responsive. I’ve really enjoyed them helping me through this whole experience. The entire process was clear cut and easy to follow. Using DocuSign and AccountChek was convenient for my schedule which was a big plus. I would recommend Ruoff to those looking for mortgage info.

    Brett H, 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
  • 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

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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