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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 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 Michael Ribas
July 31st, 2025 06:41 PM
Thank you for the high recommendation, Oladapo. I'm glad to hear that you found our team to be responsive and organized throughout the process. It's always my goal to ensure everything runs smoothly and efficiently. If there's anything else...
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Michael and Erika were excellent throughout the process
Bryan Bolton was also very helpful imqith checking in and making sure everything was going well
Reply from Michael Ribas
July 11th, 2025 12:24 PM
I greatly appreciate your kind words, Cameron. It's great to hear that our efforts made a difference for you. Thank you so much for taking the time to share your experience. If you have any further questions or need assistance in the future,...
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Michael and his team are the best. This was my fourth home purchase and it was far and away the best experience I have had. I highly recommend Michael and First Horizon.
Reply from Michael Ribas
July 7th, 2025 01:08 PM
Thank you, Lee, for your kind words. I'm so glad to hear that this purchase was your best experience yet. It was a pleasure working with you, and I appreciate your recommendation.
Michael Ribas has received a review with 5 star rating from Edward E
Reply from Owner
July 7th, 2025 01:06 PM
I'm thrilled to hear that you had positive experience with our team. Thank you for your recommendation. It was a pleasure assisting you.
I cabg speak highly enough of Michael and his team (including Colby on the treasury side of the house). Communication was always timely and clear and timelines were alsays met Further, my rate and loan terms wrre fantastic Again, I can't recommend...
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Reply from Michael Ribas
July 2nd, 2025 01:31 PM
I'm thrilled to hear that you had positive experience with our team. It's great to know that our communication and service were on point; the feedback is very much appreciated. Thank you for your recommendation. It was a pleasure assisting...
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Process was smooth, all steps and information needed was clear and concise. Michael was accessible throughout the entire process for every question I had. Highly recommend.
Reply from Michael Ribas
June 23rd, 2025 02:30 PM
Thank you for the high recommendation, Zack. It was a pleasure assisting you, and I'm glad to hear that you found the process was clear and concise. Please reach out any time you need further assistance.
Timely communication and easy to work with.
Reply from Michael Ribas
May 19th, 2025 01:47 PM
I'm happy to hear that you found the communication timely and the process easy. It was a pleasure working with you, Zack. I appreciate your positive feedback, and please reach out if you need further assistance.
Very helpful in explaning available rates and products to make an informed decision
Reply from Michael Ribas
May 12th, 2025 07:22 PM
I'm glad to hear that you found the information on available rates and products helpful. It was my pleasure to assist you in making an informed decision. Thank you, John, for your great review and kind words.
Michael, April, and Erin were very responsive throughout the process and had the answers to all of my wife and I's questions as first time home buyers. Great team with a lot of experience!
Reply from Michael Ribas
May 8th, 2025 02:44 PM
Thank you for your kind words and recognizing our team. I am so glad that you had a positive experience as a first-time home buyer. It was a pleasure working with you, and please let me know if you have any questions or need anything in the...
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Michael was responsive and helpful in guiding us through our first mortgage. He was easy to get in touch with and proactive, and made this process much smoother than we could have ever anticipated!
Reply from Michael Ribas
May 6th, 2025 01:15 PM
Thank you so much for your great feedback! I'm so glad to know that you found my guidance helpful, and it was a smooth process. It was a pleasure assisting both of you, and please let me know if you have further questions.
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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.