I have been a customer of Horizon Home Loans for many years. Going into the purchase of our first home we had our preapproval so we knew what our price point was and what our payments would be. They have assisted us in refinancing our home for home improvements and to lower our interest rates. The agents are knowledgeable, friendly and fun to work with. I would recommend Horizon Home Loans to everyone.
— Doris Butler, County, Ohio
Need help with your financing? We did, we purchased a new home and needed a Veterans Loan. We found Horizon Home Loans not only to be efficient, honest, starting with management, to our loan officer, Tammy Howard, and the background assistance, to be superb. You could pick up the phone, call with a question and always got an answer. We would highly recommend the Horizon Home Loan group to our friends but to anyone needing assistance with a new mortgage. We felt comfortable and were treated like family.
— F & C Stowell
After listening to my ideas, dreams & delusions Forrest took an intimidating process and made it easy. He did the up-front work and provided education, options, humor and over-the-top customer service. He’s the best…that’s why I keep going back!
— Jennifer. W
I contacted Horizon Home Loans to capitalize on the lower mortgage interest rates available, and to consolidate our first and equity mortgages. Forrest Ferris explained the process of refinancing, presented a number of options for mortgage terms and associated rates. We were informed of the progress of our loan application and status each step of the way. A competent and professional representative of Horizon Home Loans came to our house at closing time, simplifying the final stage of our refinancing. We now benefit from a lower mortgage rate and shorter mortgage term, two financial goals for our future retirement. Integrity, expertise and courtesy are hallmarks of Horizon Home Loans. I confidently recommend Horizon Home Loans to my family and friends.
— An extremely satisfied customer
A friend recommended Tammy Howard at Horizon Home Loans during 2008 when we were in the process of purchasing our condo. We were very pleased with Tammy’s ability to “get right to the heart” of the matter. We were first time home buyers; not only was Tammy extremely helpful, thorough, and a pleasure to work with, she enabled us to get a fabulous loan for us with a very affordable mortgage and interest rate. This year, we decided to investigate the refinancing of our condo. We attempted to refinance directly with the bank that was currently holding our loan. The process was long, complicated, never ending, and this company even refused to do a condo search on our loan-claiming that it was our responsibility. We remembered how Tammy helped us the first time, contacted her, and agreed to let Horizon assist us once again. Tammy has been extremely professional and an absolute pleasure to work with once again two years later-much different from the bank holding our current loan. We highly recommend Tammy and Horizon Home Loans!!
— M & O
My husband and I want to express our gratitude to Horizon Home Loans and your agent, Tammy Howard! He and I were discussing how our mortgage was greater than one of my husband’s pay checks and how bad that was. Tammy, who had helped us a few years before called us to let us know that she thought we could do better on our interest rates, etc. than the one before! How timely is that?! We agreed to going through the process to see if it would work for us. Happily, I can report our mortgage is now LESS than my husband’s paycheck and Horizon Home Loans helped us get money back by a timely closing. We are so thankful that Tammy gave us a follow-up call! She was very instrumental in saving us money in every way! Thank you so much!
— The Parks
From the first time we called and began working with Horizon Home Loans we truly have been impressed with the level of service and commitment that we have received. Forrest and his office staff have made the long and daunting process of applying for a new loan or the refinancing of an existing loan simple and easy. They take the time to completely answer all our questions and explain all the closing documents in detail. We can’t thank Horizon Home Loans enough for all they have done for us and for all the money have saved us on our loans during the many years we have been dealing with them. You may enter their office as a business acquaintance but I guarantee that you will leave with the feeling that you just made a friend that will always be there to assist you when needed.
— Andy and Denise Pyott, Loyal and Devoted Customers
After several years of trying to purchase a house, only to be repeatedly told, “You’re not quite there,” or “You need to do this and that, then we’ll talk,” we had begun to lose hope of ever being able to own a home. Then we heard an ad for Horizon Home Loans that seemed aimed right at us - “somewhere in the middle,” but struggling to get approved.

Forrest met with us on our schedule, and we were shocked when he said, “You can get approved!” We set a timeline and expected to connect again in several months when we were ready to move, only for unexpected circumstances to push our moving date up to “yesterday.”

Forrest didn’t flinch. In whirlwind time, he and Robin had us not only approved, but closed! They helped these first-time homebuyers every step of the way, and because of Horizon, we now have a home our family can call OURS!

Thank you to Forrest and the team at Horizon Home Loans for helping us realize our dream. We highly and fully recommend this wonderful group of people!
— Kyle and Emily
5 years ago my wife and I started looking for our first house and knew very little of the process. We contacted a few of the larger mortgage companies only to be pushed aside and given the runaround. My wife found Horizon and was very interested because they were local and very personable when she called. We immediately got an appointment and were pre-approved on the spot. Once we had an offer accepted Forrest gave us great advice and went out of his way to make sure we hired the best home inspection team around. Not only did Forrest and Robin walk us through every one of our questions, they worked overtime to make sure we had nothing to worry about. They have become part of our family and we even stop in from time to time to see how they are. We are not sure what we would have done if we did not find them.
— Jeff and Tara
I have worked with Horizon Home Loans on numerous occasions. They are always willing to go the extra mile to make things happen. If I ever decide to buy another house, they will be my first call.
— Adam H.
I KNEW deep down that I’d purchase a house in 2018, but wasn’t sure how . I’m a single mom of 3 kids , with not the best credit score . I was turned down bank after bank and told to try in a couple months . I finally was referred to Melissa at Horizon home loans . Within minutes of us meeting I had my preapproval letter and was looking for my home . Melissa and the staff at Horizon worked with me every step of the way . In August I closed on my home ! I am so thankful to Horizon home loans for helping me achieve my dream
— Toni
Simple! You guys are the best. Melissa is a rockstar. I went thru an awful divorce and separation of property. She was with me all the way. She listened to my complaints, my circumstance, and anything else I threw at her! Then, she simply did what she does fantastically, she found me a loan to buy my condo. This was a very unsettling time for me. Melissa was a friend, a partner, and my hero!!! I will never forget what she did for me. She was my angel.
— Todd R.


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