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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
I appreciated the customized and high touch service throughout this process. Look forward to working with Michael and team.
Reply from Michael Ribas
October 17th, 2025 08:08 PM
I'm so glad to hear that you valued the personalized service, Kurt. It was a pleasure working with you, and I look forward to continuing our work together in the future. If you have any questions or need further assistance, please feel free...
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Michael is very professional, knowledgeable but yet warm and friendly. Great combo! Cara is as well. Could not ask for a better team.
Reply from Michael Ribas
October 2nd, 2025 09:10 PM
Your feedback means a lot to me, Natalie. I'm glad to hear that you felt well-supported. I enjoyed working with you and appreciate your kind words. If there's anything else you need, please feel free to reach out.
Every one who i spoke to was very helpful
Reply from Michael Ribas
October 2nd, 2025 03:03 PM
It's wonderful to hear that everyone you interacted with was helpful. Your feedback is much appreciated. If there's anything else I can do for you, feel free to let me know.
Good system. Great people.
Reply from Michael Ribas
September 18th, 2025 03:18 PM
I'm so glad to hear you had a great experience. Thank you for sharing your feedback. Please reach out if there's anything more I can do to assist you.
Michael and his team have done 3-4 deals for me and my family, fast with answers, tells the truth and gets the job done efficiently ... very fair... i recommend him to others and woudl not dream of using someone else for these type deals for...
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Reply from Michael Ribas
September 3rd, 2025 04:57 PM
I really appreciate your trust and recommendation, Nick. It's wonderful to know that you have had great experiences. Should you have any more projects in the future, just reach out, and I'll be happy to help. Thank you for your continued support....
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The online system is a little clunky and not as smooth or as intuitive as other systems like Rocket Mortgage that ive used.
Reply from Michael Ribas
September 2nd, 2025 08:30 PM
Thanks for your feedback, Troy, and I appreciate your input. It's important to me that your experience is as smooth as possible, and I'll be sure to share your thoughts with our tech partners so that improvements can be made. Feel free to reach...
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Michael Ribas has received a review with 5 star rating from Paul “ K
Reply from Owner
August 29th, 2025 01:54 PM
Thank you so much, Paul, for the great rating! I enjoyed working with you, and your feedback means a lot to me. If you need any assistance in the future, please don't hesitate to reach out.
we truly enjoyed working with Michael and his team. They were great partners through this process.
Reply from Michael Ribas
August 25th, 2025 06:02 PM
Thank you, Paul, for sharing your positive experience. I enjoyed working with you as well, and I'm glad we could support you effectively throughout the process. If there's anything more I can do for you in the future, feel free to reach out....
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We have now used Michael and his team for two home purchases and each time he has taken time to talk through the process and all options and really show that he is invested in helping us be set up the best we can be. We will recommend Michael...
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Reply from Michael Ribas
August 8th, 2025 01:52 PM
Thank you so much for your kind words, Hadley. It was great working with you, and I'm delighted to hear that both of your home purchases were positive experiences. Taking the time to explore every option is something I value greatly, and I'm...
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Michael and his team were so responsive, professional, and organized. They were clear with their requests and were very efficient and on top of things. HIGHLY RECOMMEND!
Reply from Owner
August 1st, 2025 12:51 PM
Thank you so much, Rachel, for your wonderful feedback. I'm so glad to hear that you found our communication and organization helpful throughout the process. Your recommendation means a lot. If you ever need anything in the future, please feel...
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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.