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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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Michael Ribas has received a review with 5 star rating from Michael S
Reply from Owner
February 2nd, 2026 02:35 PM
Thank you for the positive rating, Michael. I appreciate your support.
It was very easy to communicate with you and the company. Getting the paperwork done was a breeze. Also, the process was very smooth!
Reply from Michael Ribas
January 22nd, 2026 01:47 PM
Michael, it's great to hear your feedback and know that the process went smoothly for you. Making things straightforward and accessible is always my aim, so thank you for sharing. If there's anything else I can assist with, please let me know....
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Effective communication and smooth process!
Reply from Michael Ribas
January 20th, 2026 01:49 PM
I'm pleased to know you found the communication effective and the process smooth, Megan. Thank you for your feedback. If there's anything else you need, please feel free to get in touch.
Michael Ribas has received a review with 5 star rating from Joseph H
Reply from Owner
January 20th, 2026 01:49 PM
I appreciate your positive rating, Joseph. Thank you for taking the time to rate my service.
Quick preapproval process. Everything was able to be done online during the mortgage
Reply from Michael Ribas
January 12th, 2026 01:47 PM
I'm pleased to hear that the pre-approval process went smoothly for you, Joseph. Being able to handle everything online can certainly streamline things. If you need any more assistance or have further questions, feel free to reach out to me....
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Michael and his team were amazing to work with. They were extremely responsive, knowledgeable, and made the whole loan process easy!
Reply from Owner
January 12th, 2026 01:46 PM
Your feedback is sincerely appreciated, Parsa. I'm pleased to know that you found the loan process smooth and our team's responsiveness and knowledge helpful. If you need any more assistance or have questions in the future, feel free to contact...
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Michael and his entire team were amazing to work with. He is professional, responsive, and made the entire process smooth from start to finish.
Reply from Michael Ribas
January 8th, 2026 04:33 PM
I appreciate your feedback, Parsa. Knowing that I was able to make the process smooth and efficient for you means a lot to me. If there's ever anything else you need, please feel free to get in touch.
Michael was very professional and guided us into a great loan product that fit our needs. The process was user-friendly from start to finish with electronic document collection and e-signing of the closing docs. His underwriting team was great...
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Reply from Michael Ribas
January 7th, 2026 04:32 PM
Your feedback is truly appreciated, Todd. I'm happy to hear that the loan product met your needs, and everything went smoothly. A seamless experience is my priority, and I'm glad the efforts resonated well. If there's anything further I can...
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Exc communication; easy to navigate portal;
Reply from Michael Ribas
December 24th, 2025 03:40 PM
Thank you, Celso! I'm glad you found the communication helpful and the portal easy to navigate. Your feedback means a lot, and if there's anything more, I can assist you with, please let me know.
Michael Ribas and Erika Lane were absolutely excellent. Very progressional and extremely responsive. My loan process was very smooth thanks to their amazing work. I highly recommend them to anyone and give them extremely high remarks.
Reply from Michael Ribas
December 8th, 2025 03:55 PM
I'm pleased to know that the process went smoothly, John. Thank you for your high recommendation. I'm glad to have had the opportunity to work with you, and if there is anything more you need, 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.