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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 is great to work with- he has managed 4 mortgages for us in 4 states
Reply from Michael Ribas
December 2nd, 2025 10:53 PM
It is always great working with you, and your feedback means a lot to me, Diana! As always, if you ever need assistance, feel free to reach out. Thank you for taking the time to share your thoughts.
Michael was incredibly knowledgeable and really helped us navigate how to purchase our condo as well as ways to roll some closing costs into the mortgage. I would highly recommend working with Michael!
Reply from Michael Ribas
November 19th, 2025 02:26 PM
Your feedback is truly appreciated, Ryan. I'm glad I could help and provide guidance. Your recommendation means a lot to me. If you have any further questions or need any assistance in the future, feel free to reach out.
As an out-of-state property owner, the process of getting a loan can feel daunting. Michael Ribas's fully automated online system made it incredibly simple and efficient. Everything was clear, communication was excellent, and I never felt my...
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Reply from Michael Ribas
November 17th, 2025 08:29 PM
Thank you, Grant; it was great working with you. I’m so glad to know that the system was easy and straightforward. I appreciate you recommending my services to other investors. If there’s anything more I can do in the future, please feel free...
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Very responsive and easy to work with
Reply from Michael Ribas
November 12th, 2025 09:11 PM
Thank you for the great review, Delon. Your feedback means a lot to me. If there's anything more I can assist you with in the future, please reach out.
Great mortgage broker would definitely recommend!
Reply from Owner
November 12th, 2025 09:10 PM
Thank you for the recommendation, Thomas. I'm glad to know you had a positive experience. If you need any further assistance or have questions in the future, feel free to reach out.
Great, especially when looking to compare fees and lock-in competitive rate. Communication was a little light during the closing process, especially in process and timing. Overall, satisfied and would definitely recommend!
Reply from Michael Ribas
November 10th, 2025 02:58 PM
I'm glad to hear you found the experience valuable, Thomas, especially regarding comparing fees and rates. Thank you for your recommendation, and please feel free to reach out if you need further assistance.
Applying for a mortgage is stressful at the best of times, but Michael and the team at First Horizon made things feel simple and straightforward. All matters were handled with care and any my questions were answered with clear confidence. We...
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Reply from Michael Ribas
November 10th, 2025 02:55 PM
Thank you so much for sharing your experience, Eric. Navigating the mortgage process can indeed be challenging, and I'm really glad to hear that I could help make it a little more straightforward for you. It's important to me to provide clarity...
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The First Horizon team is top notch! The process was seamless and timely. I greatly appreicate their help!
Reply from Michael Ribas
October 30th, 2025 03:33 PM
I'm so glad to hear that everything went smoothly. Your feedback means a lot. If there's anything more you need or if questions arise in the future, feel free to reach out.
Very professional and helpful to fix problems and offer alternative solutions
Reply from Michael Ribas
October 20th, 2025 04:45 PM
Thank you for sharing your experience, Grant. I'm glad to be working with you and pleased to hear that my assistance has been helpful. Your input is definitely valued. Please reach out anytime.
What made my closing experience stand out was Michael's clear and consistent communication. His professionalism and genuine care were evident in every interaction. Additionally, Michael and his team went above and beyond to ensure a seamless...
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Reply from Michael Ribas
October 20th, 2025 04:03 PM
I'm grateful for your thoughtful feedback, LaMel. It's fulfilling to know that my communication and effort contributed positively to your experience. Ensuring you felt informed and valued was important to me throughout the process, and I'm...
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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.