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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.

99.46% 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.

99.46% 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.

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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

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    Excellent experience with everything!

    Benjamin J A.

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

  • Review 2

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    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

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    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

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    Excellent service and quick responses!

    Lexington W.

    Warsaw, IN, December 2nd, 2024 11:29 AM

  • Review 5

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    Lori was very quick getting stuff put together ... she did her job well and that was obvious !

    Keegan R. B.

    Warsaw, IN, November 29th, 2024 11:12 AM

  • Review 6

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    Everything and with a big smile ! She answered all questions, and was very prompt! Thank you so much for everything!

    Christine M S.

    Roann, IN, November 17th, 2024 11:20 AM

  • Review 7

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    Lori made the process so easy as a first time homeowner. I really liked using loanbutler to upload and sign everything. It made the process efficient. Closing was a breeze because we were able to review/sign a few of the documents beforehand. Lori kept us in the loop during the process and responded in a timely manner if we had any questions/concerns.

    Camtien T J.

    Warsaw, IN, April 28th, 2024 01:02 PM

  • Review 8

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    I always felt heard and my questions were answered thoroughly. Lori was quick to respond and so helpful during the whole process. We felt like the whole team had our best interest in mind.

    Daniel N.

    Warsaw, IN, November 4th, 2024 12:46 PM

  • Review 9

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    We had a great experience with Lori and Heather at Ruoff. Top notch service! Extremely knowledgeable and friendly! Highly recommend!

    David M. N.

    Mentone, IN, October 22nd, 2024 11:12 AM

  • Review 10

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    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 11

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    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 12

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    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 13

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    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 14

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    Lori is awesome!!

    Bridgette Nicole M.

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

  • Review 15

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    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 16

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    Lori made the whole process a breeze!

    Victoria L.

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

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Why should you choose Ruoff?

65

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.

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I would love to hear from you!

Call me at 574.527.5969 or message me below!

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