What are the opening hours?

Monday 12am - 11:59pm Tuesday 12am - 11:59pm Wednesday 12am - 11:59pm Thursday 12am - 11:59pm Friday 12am - 11:59pm Saturday 12am - 11:59pm Sunday 12am - 11:59pm

Lori Horney- Ruoff Mortgage NMLS #139300

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United States
Warsaw, IN
Lori Horney- Ruoff Mortgage NMLS #139300

Additional Licenses: NMLS # 139300 | Indiana Michigan, Tennessee, Alabama, Florida, Georgia #139300 | KY - MC792469.
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Scotsman Guide Top US Loan Originator
Ruoff Presidents Club & Branch Originator of the Year Lori Horney has been in the mortgage business for over 27 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 situ

ation. 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 love to travel and visit my children and grandchildren. 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 or her Assistant Heather 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!

12/28/2025

Transforming dreams into reality begins with defining clear objectives. This process allows abstract ideas to take shape and become achievable targets. It’s the starting point for turning aspirations into tangible results.

🌟 What goals are on the horizon today? Share in the comments!

.com .lorihorney.com # HaileyPatrick.net

12/27/2025

City Lights or Nature's Delights: Which View Inspires You? 🌆🌲

Imagine waking up to the bustling energy of city skyscrapers or the serene tranquility of lush greenery. Whether you thrive in the vibrant urban landscape or find peace in the great outdoors, your home’s view can set the tone for your daily life.

Share your preference and let us know what kind of view makes your heart sing!

.com .lorihorney.com # HaileyPatrick.net

12/26/2025

🎄 Merry Christmas!
Today we gather with loved ones to celebrate joy, peace, and the warmth of the holiday season. May your day be filled with laughter, love, and the magic of Christmas spirit.

.com .lorihorney.com # HaileyPatrick.net

12/24/2025

🎄 Happy Holidays! Wishing you a joyful holiday filled with peace, love, and time well spent in the place you call home.

Whether you’re celebrating near or far, may your heart be full and your days merry and bright.

.com .lorihorney.com # HaileyPatrick.net

12/23/2025

Thinking about your next move? 🏡 Let’s break down owning vs. renting!

Owning a home allows you to build equity over time, benefit from potential property appreciation, and create long-term financial stability. It can also serve as a valuable asset for retirement planning.

Renting offers flexibility, predictable monthly payments, and fewer maintenance responsibilities, which can be ideal for short-term living or uncertain markets.

Understanding the financial and lifestyle implications of each option can help you make informed decisions about your next move.

💡 Curious which path is right for you? Let’s break it down together!

.com .lorihorney.com # HaileyPatrick.net

12/22/2025

❄️ Hello, winter!
The season of comfy mornings, twinkling lights, and quiet moments has officially arrived. Whether you're settling in or starting something new, there's something magical about winter’s fresh start.

Bundle up—brighter days (and real estate goals) are just ahead. 🏡✨

.com .lorihorney.com # HaileyPatrick.net

12/20/2025

The housing market may fluctuate, but there’s never a single “perfect” time to buy or sell.

📈 By staying informed on trends, we can identify opportunities that work best for you and your timing. Don’t feel discouraged—your moment is out there, and the right opportunity will come! 🏡✨

.com .lorihorney.com # HaileyPatrick.net

12/18/2025

If you’re hosting holiday get-togethers this month, there are some key tips you need to know.

✨ Delegate tasks—don’t do it all yourself.
✨ Consider smaller gatherings or potlucks to lighten the load.
✨ Budget smartly to avoid financial stress.
✨ Make time for winter maintenance and a cozy atmosphere.

The holidays are about making memories, not perfection. Whether it’s your first time hosting or you’re a pro, these tips will help you create a warm, joyful celebration in your home. 🏡❤️

Like this post if you’re ready to host this season!

.com .lorihorney.com # HaileyPatrick.net

12/17/2025

🎄✨ From festive lights and holiday markets to comfy concerts and winter wonderlands, there’s something for everyone!

Where are you planning to soak up the holiday magic this year? Share your go-to events and hidden gems. We’d love to hear what’s lighting up your season!

.com .lorihorney.com # HaileyPatrick.net

12/16/2025

🛋️ Busting Home Decor Myths!

Dark Palettes Always Shrink a Space
❌ Not true! Deep tones can actually create a comforting, elegant atmosphere and make your space feel more intimate.

All Furniture Must Match
❌ Nope! Mixing styles, textures, and finishes adds personality and depth, making a room feel curated and lived-in.

You Must Follow Trends
❌ Trends come and go—your home should reflect your style, comfort, and what makes you happy, not what’s “in” this season.

.com .lorihorney.com # HaileyPatrick.net

12/14/2025

When it comes to sharing a little love this season, presentation makes the moment even sweeter.

🛍️ Gift Bags: quick, stylish, and perfect for those oddly shaped surprises
🎁 Gift Boxes: structured, elegant, and made for that “wow” moment

Whether you choose a bag or a box, it’s the love behind the gift that truly makes it special.
Which one feels more you this season? 🎄

.com .lorihorney.com # HaileyPatrick.net

12/13/2025

Whether it’s a new adventure, a personal goal, or finally finding your dream home, here’s to a year full of possibilities and milestones. 🌟

Let us know what your goals are for 2026!

.com .lorihorney.com # HaileyPatrick.net

Address

Ruoff Mortgage
Warsaw, IN

Opening Hours

Monday	12am - 11:59pm
Tuesday	12am - 11:59pm
Wednesday	12am - 11:59pm
Thursday	12am - 11:59pm
Friday	12am - 11:59pm
Saturday	12am - 11:59pm
Sunday	12am - 11:59pm

Telephone

+15745275969

Website

https://www.ruoff.com/lorihorney

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President’s Club Originator in 2018, Branch Originator of the Year in 2017 and 2018, Lori Horney has been in the mortgage business for over 24 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 married and have two children and two step children and three granchildren. I love to travel. I enjoy a variety of sports and many outdoor activities. Including boating, fishing, swimming, sailing, golf, traveling and attending community events and concerts. I have been active as a church mentor and with various study groups, always ready to lend a helping hand. 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 has much to offer clients who are looking for low costs, competitive rates, and the most loan programs, sound advice, and that hometown bank feeling! Call Lori direct today at 574-527-5969 or apply online at www.ruoff.com/lorihorney or www.lorihorney.com #thelorihorneyteam