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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
working with Michael and Erica was a pleasure communication was transparent, and they were very helpful in providing the information we needed to move forward with this property deal. We're looking forward to working more in the future with...
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Reply from Michael Ribas
April 27th, 2026 08:46 PM
Thank you for your kind words, Jim. I'm glad to hear that you found our communication transparent and helpful. I look forward to working with you again in the future.
Great and timely communication
Reply from Michael Ribas
April 27th, 2026 08:42 PM
I'm grateful for your feedback, Taylor. I'm pleased to know that our communication met your expectations. If you ever need anything else, feel free to reach out.
I recently completed a home refinance, and the entire experience was impressively smooth from start to finish. The process was clearly explained upfront, which helped set expectations and eliminated much of the stress that typically comes with...
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Reply from Michael Ribas
April 27th, 2026 08:41 PM
Thank you so much for sharing your exerpience, Anna. I'm pleased to hear that the refinancing process was smooth and stress-free. Your feedback is greatly appreciated. If you have any more questions or need further assistance in the future,...
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Michael Ribas has received a review with 5 star rating from Allison W
Reply from Owner
April 2nd, 2026 08:14 PM
Thank you for the perfect rating. Your support is greatly appreciated!
Communication was quick and clear! Everything was very transparent and the entire process was seamless.
Reply from Michael Ribas
April 1st, 2026 08:53 PM
Thank you for your feedback, Allison. It's reassuring to know that the communication and transparency throughout the process met your expectations. If you have any more questions in the future, please feel free to reach out.
A wonderful person and very eady to work with. Very professional, kind and efficient. Could nit have asked for a better loan officer for our needs.
Reply from Michael Ribas
March 31st, 2026 06:11 PM
I'm grateful for your kind words, Vinay. I'm pleased to know that you found the process professional and efficient. It's important to me that your needs were well met. If there's anything else I can assist with, please feel free to reach out....
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General ease of the process and the support from the team!
Reply from Michael Ribas
February 13th, 2026 09:20 PM
Thank you for your feedback, AJ. I'm so glad that you appreciated the team's support and the ease of the process. We always strive to make it as easy as possible. If there's anything more that I can do for you in the future, please feel free...
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Michael was very communicative and patient with us throughout the entire process. We will highly recommend him to others!
Reply from Michael Ribas
February 5th, 2026 05:57 PM
I'm so glad to hear that you appreciated my communication, Jessica! Your recommendation means a lot to me, and it was a pleasure assisting you throughout the process. Feel free to reach out if you need anything else in the future.
Michael Ribas has received a review with 5 star rating from Jacob B
Reply from Owner
February 2nd, 2026 02:37 PM
Thank you for your positive rating, Jacob. If you ever need anything, feel free to reach out.
Very communicative team and easy document upload process
Reply from Michael Ribas
February 2nd, 2026 02:36 PM
Thank you for your feedback, Jacob. I'm pleased to know that the process worked well for you. If there's anything more I can assist with, 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.