Terry announced he was quitting the international scene in a statement on Sunday night, claiming the FA's decision to pursue a case against him after he was cleared in court of racially abusing Anton Ferdinand made his position in the national team "untenable", but Horne did not agree that was the case.
"It's a personal decision. I don't see how we've made it untenable, they're two very separate processes," he told Sky Sports News on his way into FA headquarters at Wembley on Monday.
"It's something that happened in a match - it shouldn't be taking a year to resolve but we feel we're reaching a conclusion on that. That's a very different process from our England procedures, they sit in different compartments and I could separate the two in my mind, but it doesn't look like he could."
Terry could face a lengthy ban if found guilty by the FA of using racist language during a match for Chelsea against QPR on October 23 last year, but has taken any decision over his England future out of its hands.
It has been reported that his hearing will take place at Wembley on Monday morning, but the FA has not confirmed that. Terry has categorically denied racially abusing Ferdinand.
Club England managing director Adrian Bevington also spoke to Sky Sports News on his way into Wembley, saying the Chelsea skipper had "always given his all" and had been a "great servant" for his country.
Press Association Sport understands England full-back Ashley Cole has no plans to follow his Chelsea team-mate into retirement and is still fully committed to the national team cause. Cole had given evidence as a defence witness at Westminster Magistrates Court during Terry's racism trial in July.
Terry was found not guilty in court, with the prosecution unable to prove he had called Ferdinand a "f****** black c***" as an insult. Terry admitted using the words, but insisted he had only been repeating words he thought Ferdinand had accused him of saying.
However, the FA then stepped in with its own charge. The case is due to start on Monday, triggering Terry's decision to end his England career.
Source: PA
Source: PA