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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 the whole team were very communicative, with prompt updates and clear instructions throughout the process. We are first-time homebuyers and were also doing this remotely, and they made everything very smooth.
Reply from Michael Ribas
May 1st, 2025 03:55 PM
I'm thrilled to hear that you had a smooth experience as first-time homebuyers, especially while managing the process remotely. It was a pleasure assisting you, and I'm glad our communication and updates met your expectations. Thank you for...
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Pretty simple
Reply from Michael Ribas
May 1st, 2025 02:53 PM
I'm glad to hear that your experience was straightforward, Matthew. Thank you for your feedback. If there's anything more I can do for you, please let me know.
Michael Ribas has received a review with 5 star rating from Jon B
Reply from Owner
April 28th, 2025 02:18 PM
Thank you, Jon. It is always a pleasure working with you over the years.
This is the third home (plus a refinance) I have worked through with Michael. My wife and I have always appreciated his guidance through the home buying process.
Reply from Michael Ribas
April 28th, 2025 02:18 PM
I'm so happy for you and the family on the new home. It is always a pleasure to work with you. Your continued trust in my guidance means a lot. Thank you for your review and kind words.
professional, communicative and extremely helpful
Reply from Michael Ribas
April 15th, 2025 12:45 PM
I'm so glad to hear that you found my services helpful. It was great working with you, and I really appreciate you taking the time to give your feedback.
Always available, friendly and profe
Reply from Michael Ribas
April 9th, 2025 02:41 PM
Thank you for your positive feedback, Brittany! It was a pleasure assisting you at First Horizon Bank. Let us know if there's anything else we can assist you with in the future.
Nothing to add
Reply from Michael Ribas
April 7th, 2025 09:39 PM
Thank you, Jeanne, for your 5- star rating! If you need assistance in the future, please feel free to reach out.
Michael Ribas has received a review with 5 star rating from Savannah A
Reply from Owner
April 9th, 2025 02:37 PM
I'm thrilled to hear that you had a positive experience, Savannah. It was a pleasure assisting you, and I truly appreciate your feedback. If you have any further questions or need assistance in the future, please don't hesitate to reach out....
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very responsive
Reply from Michael Ribas
April 2nd, 2025 07:36 PM
I'm glad to hear that you found my responsiveness helpful, Savannah. If you have any more questions or need further assistance, feel free to reach out. Thank you for your feedback!
I love how you came to our closing meeting and were so personable!!! Thank you!!
Reply from Michael Ribas
April 2nd, 2025 03:16 PM
I'm so glad to hear that you had a great experience! I'm grateful for your kind words, and it was a pleasure working with you. Don't hesitate to reach out if you have any questions in the future.
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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.