
Michael Ribas
Mortgage Loan Originator
Experience
- Working in mortgage banking in the Nashville area since 2010
- Currently specializes in providing home mortgages to buyers in the Nashville area, including musicians, doctors, executives and first-time homebuyers
Education
- Vanderbilt University, B.A.
PROFESSIONAL AFFILIATIONS/LICENSES
- Nationwide Mortgage Licensing System and Registry (NMLS) #232275
What clients are saying
NNicholas C. M.Brentwood - TNPosted on 2025-09-03T16:44:26.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael 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 myself or family...HHadley J. M.Franklin - TNPosted on 2025-08-08T13:01:14.000Z5.0 ★ ★ ★ ★ ★forMichael RibasWe 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 to everyone we know!RRachel K.Posted on 2025-07-31T16:11:01.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael 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!NNatalie N. B.Franklin - TNPosted on 2025-10-02T18:57:48.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael is very professional, knowledgeable but yet warm and friendly. Great combo! Cara is as well. Could not ask for a better team.UUsha S.Franklin - TNPosted on 2025-10-01T23:31:13.000Z5.0 ★ ★ ★ ★ ★forMichael RibasEvery one who i spoke to was very helpfulMMichael J. H.Nashville - TNPosted on 2025-09-18T13:06:08.000Z5.0 ★ ★ ★ ★ ★forMichael RibasGood system. Great people.TTroy J. B.Gallatin - TNPosted on 2025-08-29T13:21:27.000Z4.0 ★ ★ ★ ★forMichael RibasThe online system is a little clunky and not as smooth or as intuitive as other systems like Rocket Mortgage that ive used.PPaul Â. K.Posted on 2025-08-25T15:47:18.000Z5.0 ★ ★ ★ ★ ★forMichael RibasPPaul K. I.Franklin - TNPosted on 2025-08-25T15:47:11.000Z5.0 ★ ★ ★ ★ ★forMichael Ribaswe truly enjoyed working with Michael and his team. They were great partners through this process.OOladapo A.Fort Worth - TXPosted on 2025-07-31T16:06:08.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael 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!CCameron S.Santa Monica - CAPosted on 2025-07-10T20:34:08.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael and Erika were excellent throughout the process Bryan Bolton was also very helpful imqith checking in and making sure everything was going wellLLee V. W. J.Jackson - MSPosted on 2025-07-04T23:07:42.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael 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.EEdward E.Posted on 2025-07-02T12:55:40.000Z5.0 ★ ★ ★ ★ ★forMichael RibasEEdward R. E.Roswell - GAPosted on 2025-07-02T12:55:30.000Z5.0 ★ ★ ★ ★ ★forMichael RibasI 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 Michael highly enoughZZachary G. T.Kingston Springs - TNPosted on 2025-06-21T12:22:25.000Z5.0 ★ ★ ★ ★ ★forMichael RibasProcess 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.ZZackary G.Brentwood - TNPosted on 2025-05-17T10:59:27.000Z5.0 ★ ★ ★ ★ ★forMichael RibasTimely communication and easy to work with.JJoung K.Decatur - GAPosted on 2025-05-12T18:53:30.000Z5.0 ★ ★ ★ ★ ★forMichael RibasVery helpful in explaning available rates and products to make an informed decisionWWalter C. T. I.Nashville - TNPosted on 2025-05-08T13:00:33.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael, 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!PPhilip W.Nashville - TNPosted on 2025-05-06T01:06:30.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael 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!LLauren E. B.Nashville - TNPosted on 2025-05-01T15:21:50.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael 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.MMatthew J.Nashville - TNPosted on 2025-05-01T12:04:58.000Z5.0 ★ ★ ★ ★ ★forMichael RibasPretty simpleJJon B.Posted on 2025-04-25T20:52:38.000Z5.0 ★ ★ ★ ★ ★forMichael RibasJJonathan B.Nashville - TNPosted on 2025-04-25T20:52:26.000Z5.0 ★ ★ ★ ★ ★forMichael RibasThis 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.EEric M. B.Nashville - TNPosted on 2025-04-15T08:38:53.000Z5.0 ★ ★ ★ ★ ★forMichael Ribasprofessional, communicative and extremely helpfulBBrittany B. D.Cookeville - TNPosted on 2025-04-09T03:21:53.000Z5.0 ★ ★ ★ ★ ★forMichael RibasAlways available, friendly and profeJJeanne B. H.Franklin - TNPosted on 2025-04-07T21:04:44.000Z5.0 ★ ★ ★ ★ ★forMichael RibasNothing to addSSavannah A.Posted on 2025-04-02T19:26:35.000Z5.0 ★ ★ ★ ★ ★forMichael RibasSSavannah A.Helena - MTPosted on 2025-04-02T19:26:15.000Z5.0 ★ ★ ★ ★ ★forMichael Ribasvery responsiveEEmma L. M.Brentwood - TNPosted on 2025-04-02T14:06:06.000Z5.0 ★ ★ ★ ★ ★forMichael RibasI love how you came to our closing meeting and were so personable!!! Thank you!!KKevin4ster7 F.Posted on 2025-04-01T23:38:36.000Z5.0 ★ ★ ★ ★ ★forMichael RibasFirst Horizon loan officer Michael Ribas did a great job facilitating our home loan and helping us to build valuable connections to bankers and other companies crucial in our home buying process. We are thankful we got to buy our first home with him as our loan officer. We feel very confident working with First Horizon for years to come.KKevin J. F.Smyrna - TNPosted on 2025-04-01T23:38:23.000Z5.0 ★ ★ ★ ★ ★forMichael RibasFirst Horizon loan officer Michael Ribas did a great job faciliating our home loan and helping us to build valuable connections to bankers and other companies crucial in our home buying process. We are thankful we got to buy our first home with him as our loan officer. We feel very confident working with First Horizon for years to come.DDavid J. S.Brentwood - TNPosted on 2025-03-27T19:23:41.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael and his team were incredibly helpful throughout the process. Any time I had a question or concern, they would respond quickly and provide answers that gave us confidence every step of the way.JJoanna L. C.Brentwood - TNPosted on 2025-03-25T14:06:45.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael is the absolute best and made the process so seamless! He was available after hours on a Saturday night to draft our home offer. Without his willingess to work after hours for us, we would have lost the house to another bidder! Michael is friendly, professional, and extremely knowledgeable. I had a myriad of questions about the morgage types available, from VA to physicians to traditional jumbo, and he answered them all fully with charts and videos. I give him my highest recommendation for anyone in need of a mortgage!RRavi S.Posted on 2025-03-04T16:18:45.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael Ribas and his team at First Horizon Mortgage are fantastic! I've referred multiple clients to them and they always do a tremendous job. You can expect a silky smooth transaction with excellent communication. As a bonus they're often ready to close earlier than expected. Five stars all around.JJenna L. G.White Bluff - TNPosted on 2025-01-07T17:31:46.000Z5.0 ★ ★ ★ ★ ★forMichael RibasTeam was efficient, helpful and professional.KKalyna B.New Orleans - LAPosted on 2025-01-04T21:20:11.000Z5.0 ★ ★ ★ ★ ★forMichael RibasVery communicative and helpful, and was always on the ball!BBrendan T. F.Nashville - TNPosted on 2024-12-19T05:06:46.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael was very responsive and helpful throughout the whole process.RRachel K.Nashville - TNPosted on 2024-12-02T16:48:44.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMichael and his team helped me understand parts of the process I had several questions on and made it easy to understand. He and his team were very responsive to my questions and requests.CCody T. D.Bryant - ARPosted on 2024-12-02T14:42:30.000Z5.0 ★ ★ ★ ★ ★forMichael Ribasthabkful to be working togetherDDean E.Posted on 2024-11-22T02:22:37.000Z5.0 ★ ★ ★ ★ ★forMichael RibasMy team was excellent in communications. I never felt uncomfortable during the whole loan process. Michael, April, and Erika were very prompt and professional.
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- NNicholas C. M.Brentwood - TNPosted on 2025-09-03T16:44:26.000Z5.0forMichael RibasMichael 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 myself or family...
- HHadley J. M.Franklin - TNPosted on 2025-08-08T13:01:14.000Z5.0forMichael RibasWe 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 to everyone we know!
- RRachel K.Posted on 2025-07-31T16:11:01.000Z5.0forMichael RibasMichael 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!
- NNatalie N. B.Franklin - TNPosted on 2025-10-02T18:57:48.000Z5.0forMichael RibasMichael is very professional, knowledgeable but yet warm and friendly. Great combo! Cara is as well. Could not ask for a better team.
- UUsha S.Franklin - TNPosted on 2025-10-01T23:31:13.000Z5.0forMichael RibasEvery one who i spoke to was very helpful
- MMichael J. H.Nashville - TNPosted on 2025-09-18T13:06:08.000Z5.0forMichael RibasGood system. Great people.
- TTroy J. B.Gallatin - TNPosted on 2025-08-29T13:21:27.000Z4.0forMichael RibasThe online system is a little clunky and not as smooth or as intuitive as other systems like Rocket Mortgage that ive used.
- PPaul Â. K.Posted on 2025-08-25T15:47:18.000Z5.0forMichael Ribas
- PPaul K. I.Franklin - TNPosted on 2025-08-25T15:47:11.000Z5.0forMichael Ribaswe truly enjoyed working with Michael and his team. They were great partners through this process.
- OOladapo A.Fort Worth - TXPosted on 2025-07-31T16:06:08.000Z5.0forMichael RibasMichael 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!
- CCameron S.Santa Monica - CAPosted on 2025-07-10T20:34:08.000Z5.0forMichael RibasMichael and Erika were excellent throughout the process Bryan Bolton was also very helpful imqith checking in and making sure everything was going well
- LLee V. W. J.Jackson - MSPosted on 2025-07-04T23:07:42.000Z5.0forMichael RibasMichael 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.
- EEdward E.Posted on 2025-07-02T12:55:40.000Z5.0forMichael Ribas
- EEdward R. E.Roswell - GAPosted on 2025-07-02T12:55:30.000Z5.0forMichael RibasI 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 Michael highly enough
- ZZachary G. T.Kingston Springs - TNPosted on 2025-06-21T12:22:25.000Z5.0forMichael RibasProcess 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.
- ZZackary G.Brentwood - TNPosted on 2025-05-17T10:59:27.000Z5.0forMichael RibasTimely communication and easy to work with.
- JJoung K.Decatur - GAPosted on 2025-05-12T18:53:30.000Z5.0forMichael RibasVery helpful in explaning available rates and products to make an informed decision
- WWalter C. T. I.Nashville - TNPosted on 2025-05-08T13:00:33.000Z5.0forMichael RibasMichael, 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!
- PPhilip W.Nashville - TNPosted on 2025-05-06T01:06:30.000Z5.0forMichael RibasMichael 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!
- LLauren E. B.Nashville - TNPosted on 2025-05-01T15:21:50.000Z5.0forMichael RibasMichael 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.
- MMatthew J.Nashville - TNPosted on 2025-05-01T12:04:58.000Z5.0forMichael RibasPretty simple
- JJon B.Posted on 2025-04-25T20:52:38.000Z5.0forMichael Ribas
- JJonathan B.Nashville - TNPosted on 2025-04-25T20:52:26.000Z5.0forMichael RibasThis 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.
- EEric M. B.Nashville - TNPosted on 2025-04-15T08:38:53.000Z5.0forMichael Ribasprofessional, communicative and extremely helpful
- BBrittany B. D.Cookeville - TNPosted on 2025-04-09T03:21:53.000Z5.0forMichael RibasAlways available, friendly and profe
- JJeanne B. H.Franklin - TNPosted on 2025-04-07T21:04:44.000Z5.0forMichael RibasNothing to add
- SSavannah A.Posted on 2025-04-02T19:26:35.000Z5.0forMichael Ribas
- SSavannah A.Helena - MTPosted on 2025-04-02T19:26:15.000Z5.0forMichael Ribasvery responsive
- EEmma L. M.Brentwood - TNPosted on 2025-04-02T14:06:06.000Z5.0forMichael RibasI love how you came to our closing meeting and were so personable!!! Thank you!!
- KKevin4ster7 F.Posted on 2025-04-01T23:38:36.000Z5.0forMichael RibasFirst Horizon loan officer Michael Ribas did a great job facilitating our home loan and helping us to build valuable connections to bankers and other companies crucial in our home buying process. We are thankful we got to buy our first home with him as our loan officer. We feel very confident working with First Horizon for years to come.
- KKevin J. F.Smyrna - TNPosted on 2025-04-01T23:38:23.000Z5.0forMichael RibasFirst Horizon loan officer Michael Ribas did a great job faciliating our home loan and helping us to build valuable connections to bankers and other companies crucial in our home buying process. We are thankful we got to buy our first home with him as our loan officer. We feel very confident working with First Horizon for years to come.
- DDavid J. S.Brentwood - TNPosted on 2025-03-27T19:23:41.000Z5.0forMichael RibasMichael and his team were incredibly helpful throughout the process. Any time I had a question or concern, they would respond quickly and provide answers that gave us confidence every step of the way.
- JJoanna L. C.Brentwood - TNPosted on 2025-03-25T14:06:45.000Z5.0forMichael RibasMichael is the absolute best and made the process so seamless! He was available after hours on a Saturday night to draft our home offer. Without his willingess to work after hours for us, we would have lost the house to another bidder! Michael is friendly, professional, and extremely knowledgeable. I had a myriad of questions about the morgage types available, from VA to physicians to traditional jumbo, and he answered them all fully with charts and videos. I give him my highest recommendation for anyone in need of a mortgage!
- RRavi S.Posted on 2025-03-04T16:18:45.000Z5.0forMichael RibasMichael Ribas and his team at First Horizon Mortgage are fantastic! I've referred multiple clients to them and they always do a tremendous job. You can expect a silky smooth transaction with excellent communication. As a bonus they're often ready to close earlier than expected. Five stars all around.
- JJenna L. G.White Bluff - TNPosted on 2025-01-07T17:31:46.000Z5.0forMichael RibasTeam was efficient, helpful and professional.
- KKalyna B.New Orleans - LAPosted on 2025-01-04T21:20:11.000Z5.0forMichael RibasVery communicative and helpful, and was always on the ball!
- BBrendan T. F.Nashville - TNPosted on 2024-12-19T05:06:46.000Z5.0forMichael RibasMichael was very responsive and helpful throughout the whole process.
- RRachel K.Nashville - TNPosted on 2024-12-02T16:48:44.000Z5.0forMichael RibasMichael and his team helped me understand parts of the process I had several questions on and made it easy to understand. He and his team were very responsive to my questions and requests.
- CCody T. D.Bryant - ARPosted on 2024-12-02T14:42:30.000Z5.0forMichael Ribasthabkful to be working together
- DDean E.Posted on 2024-11-22T02:22:37.000Z5.0forMichael RibasMy team was excellent in communications. I never felt uncomfortable during the whole loan process. Michael, April, and Erika were very prompt and professional.