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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
My team was excellent in communications. I never felt uncomfortable during the whole loan process. Michael, April, and Erika were very prompt and professional.
Reply from Owner
February 24th, 2025 08:32 PM
Thank you so much, Dean, for taking the time to share your experience on google! I'm really glad to hear that you had such a positive experience with us. It's important to me that our clients feel comfortable and informed throughout the process....
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The team was always available and helpful when I had questions or concerns. Michael and April anwered my call or returned my e-mail very quickly.
Reply from Michael Ribas
November 22nd, 2024 01:21 PM
I'm really glad to hear you had a great experience, Dean. Being there for you to answer any questions is my top priority. It was a pleasure working with you. Thank you for taking the time to leave such a wonderful review; it means a lot to...
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We've been with Michael through 3 different mortgages and he has remained communicative, transparent, and helpful throughout all three.
Reply from Michael Ribas
November 19th, 2024 06:56 PM
I appreciate your great feedback, Coy! It's always a pleasure assisting you with your mortgages. I'm glad to hear that my approach to communication and transparency has been a positive impact. And, of course, I look forward to our continued...
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Professional and efficient team
Reply from Owner
February 24th, 2025 08:35 PM
Hi Wendy, thank you so much for your kind words. I'm thrilled to hear you found our team professional and efficient and that you took time to provide feedback. It means a lot to know we met your expectations. If you ever need anything, feel...
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Professional and efficient team
Reply from Michael Ribas
October 21st, 2024 01:51 PM
Thank you so much, Wendy, for the great review! It was definitely a pleasure working with you, and your recognition means a lot. Congratulations on the new property, and please reach out when it is time for the next one!
Better communication - especially regarding closing and the amount of time required to fund the loan. We were told by the notary that the loan could be funded in 72 hours- which would have been 2:30 on Friday, but it didn’t actually fund until...
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Reply from Michael Ribas
October 11th, 2024 06:35 PM
Thank you, James, for your valuable feedback. I'm glad to hear that you rated our services highly, despite facing some difficulties at funding. I understand that the funding process with the title company was not as smooth as you expected,...
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Michael Ribas has received a review with 5 star rating from Richard M
Reply from Owner
February 24th, 2025 08:38 PM
Hi Richard, thank you so much for the 5-star rating! I'm truly grateful that you had a positive experience. It was a pleasure assisting you. If you need any further assistance or have any questions in the future, please feel free to reach out....
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Honestly, Michael is 1 in a million. So is the team around him. I don’t know if this is more First Horizon culture or just really high quality micro-culture, but we couldn’t be happier and we plan to stick with Michael for future home and other...
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Reply from Michael Ribas
September 26th, 2024 06:34 PM
Wow, I'm truly touched by your kind words! It makes me happy to know that you had a great experience. Your trust and loyalty mean a lot to me, and I look forward to assisting you with your future home and financial needs. Thank you for your...
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extremely responsive. all issues or questions resolved quickly. also, proactive in getting me the best loan options and terms
Reply from Michael Ribas
September 10th, 2024 02:52 PM
Thank you for taking the time to leave a review and for the perfect rating. I really appreciate your kind words, Mike! I always strive to provide the best loan options and terms for my clients, and I’m glad you appreciated that. If there...
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It was easy and straight forward. Everyone was very helpful and informative and quick in response.
Reply from Michael Ribas
August 29th, 2024 12:58 PM
Thank you so much for the positive feedback, Taylor! It's my goal to make the process as easy and informative as possible, and I'm glad to hear that was your experience as well. Please reach out anytime. I am here to help if you have any other...
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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.