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Michael Ribas
Mortgage Loan Officer


Vanderbilt University
My name is Michael Ribas and I am a Mortgage Loan Officer for First Horizon Bank in the Nashville area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient services and helpful, k... Show More
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Reviews from Web
Michael and his team were incredible. We took over a year to finally be ready to purchase our first home and Michael was there the whole way. He must have made on the order of 10 pre-approval letters. He was equally awesome when it came to...
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Reply from Michael Ribas
July 30th, 2026 01:24 PM
Thank you so much, Jonathan, for your kind words and for sharing your experience. I'm pleased to hear that my team and I could support you throughout your journey. It was great to see you at the closing, and I appreciate your recommendation....
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Michael was absolutely phenomenal to work with! It was clear to us from our first email communication that he is knowledgeable and experienced which is exactly what we needed for our first home purchase. He was quick to respond to our emails...
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Reply from Michael Ribas
July 30th, 2026 12:52 PM
Thank you so much for your thoughtful review, Emily. I'm glad to hear that my support was helpful during your first home purchase. It was great to see you at the closing, and I'm grateful for your trust and kind words. If you need assistance...
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Michael is truly the best. He was very helpful and advised us through a unique financing transaction. Closing was fast and smooth!
Reply from Owner
July 21st, 2026 02:46 PM
I'm grateful for your kind words, Cameron. Thank you for taking the time to share your experience! If there's anything else you need in the future, feel free to reach out.
Easy to work with
Reply from Michael Ribas
September 3rd, 2026 12:57 PM
I'm pleased to hear that you found it easy to work with me, Elizabeth. Thank you for your feedback, and please reach out if you need any assistance in the future.
Wellness to tailor experience to my needs. Thanks.
Reply from Michael Ribas
August 14th, 2026 02:55 PM
Brian, thank you for your feedback. I'm pleased to hear that the experience met your needs. If you need further assistance, feel free to reach out.
There were a few errors in the documentation throughout the process that could have been improved and led to a smoother closing. Not sure how much of that was First Horizon vs Title Company vs Realtor / Agent.
Reply from Michael Ribas
July 30th, 2026 10:06 PM
Thanks for the feedback, Laura. Please feel free to reach out to me if you’d like to discuss your experience further or have any questions.
Timely process from application to close, prompt communication
Reply from Michael Ribas
July 27th, 2026 02:38 PM
Andrew, I'm glad to hear that the process and the communication met your expectations. Thank you for your positive feedback. If you ever need further assistance, feel free to reach out.
Great service!
Reply from Michael Ribas
July 27th, 2026 02:35 PM
Thank you, Andrew, for your positive feedback. I'm pleased to know you had a great experience. Please reach out if you need any assistance in the future.
Michael is truly the best. He was very helpful and advised us through a unique financing transaction. Closing was fast and smooth!
Reply from Michael Ribas
July 15th, 2026 08:53 PM
Thank you, Cameron, for your kind words. I'm so glad that I could assist you and that the closing process was smooth. If you need any more help in the future, feel free to reach out.
Very timely responses and great support through the process, especially since we were first time home buyers.
Reply from Michael Ribas
July 15th, 2026 03:05 PM
Thank you so much for sharing your experience, Darcy! I'm glad to know that my support was helpful through this new process. If you need any assistance in the future, please feel free to reach out.
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About
My name is Michael Ribas and I am a Mortgage Loan Officer for First Horizon Bank in the Nashville area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient services and helpful, knowledgeable people. From your first checking account to the loan you need to build a home or business, we are committed to helping you at every stage of your financial life. Contact me today!
Products & Services
Mortgage Loan Officer
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Construction Loan
Bridge Loans
Medical Professional Mortgages
Fixed Rate Mortgages
Adjustable Rate Mortgages
Non-QM
Specialities
Doctor Loans
Construction to Perm Loans
First Time Home Buyer Loans
Private Client Lending
Music & Entertainment Industry Lending
Jumbo Loans
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Education
- Vanderbilt University

Memberships
- First Horizon Sales Advisory Group
- SEARCH Ministries
- Hillwood Country Club
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2005
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 472329
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Achievements
- Diamond Circle Award from First Horizon Bank 2018, 2019, 2020, 2021, 2022, 2023
- Diamond Award from Nashville Mortgage Bankers Association 2021, 2022, 2023
- Platinum Award from Nashville Mortgage Bankers Association 2018, 2019, 2020
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Hobbies
- Tennis
- Golf
- Pickleball
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Disclaimer
Banking Products and Services provided by First Horizon Bank. Member FDIC. Equal Housing Lender.