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Sarah G. V.  

Nashville - TN

Posted on 2026-05-06T15:37:46.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Very helpful and available with all our questions!

H

Hanna A.  

Atlanta - GA

Posted on 2026-05-05T13:35:03.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael taking the time to share every lending option I requested, and understanding specifics about my unique situation and making it work. The communication was excellent and timely also from him and his whole team. It was seamless despite the lending assistant being out on vacation at different times during my pending contract process- they covered each other seamlessly and I had no gaps (April and Erika)

T

Taylor K. B.  

Nolensville - TN

Posted on 2026-04-14T21:32:34.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Great and timely communication

J

Jackson L. H.  

Nashville - TN

Posted on 2026-05-13T15:00:43.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Our experience with Michael was nothing short of excellent. He made the process easy and straightforward.

H

Hanna A.  

Posted on 2026-05-05T13:36:08.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Smooth, seamless, excellent communication, patient and responsive. The whole team was excellent

J

James G. S. J.  

Rockwood - TN

Posted on 2026-04-27T15:25:32.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

working with Michael and Erica was a pleasure communication was transparent, and they were very helpful in providing the information we needed to move forward with this property deal. We're looking forward to working more in the future with our friends at First Horizon.

A

Anna E. N.  

Nashville - TN

Posted on 2026-04-09T00:42:50.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

I recently completed a home refinance, and the entire experience was impressively smooth from start to finish. The process was clearly explained upfront, which helped set expectations and eliminated much of the stress that typically comes with refinancing. Communication was one of the strongest aspects of the experience. My loan officer and support team were consistently responsive, easy to reach, and proactive in providing updates. Anytime I had a question, I received clear and timely answers, which made me feel confident and well-informed throughout each step. The application and documentation process was straightforward and efficient. The use of digital tools made it easy to upload documents and track progress without unnecessary delays. Everything felt organized and streamlined, which saved a lot of time and effort. Closing was equally seamless. The final steps were handled professionally, with no surprises or last-minute complications. The closing process was quick, well-coordinated, and clearly communicated in advance, allowing everything to wrap up smoothly. Overall, this refinance experience exceeded my expectations. The combination of excellent communication, efficient processes, and a hassle-free closing made what could have been a complicated transaction feel simple and stress-free. I would highly recommend this team to anyone considering a home refinance.

A

Allison W.  

Posted on 2026-04-01T16:56:02.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

A

Allison W.  

Nashville - TN

Posted on 2026-04-01T16:55:57.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Communication was quick and clear! Everything was very transparent and the entire process was seamless.

V

Vinay S. M.  

Nashville - TN

Posted on 2026-03-31T12:55:44.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

A wonderful person and very eady to work with. Very professional, kind and efficient. Could nit have asked for a better loan officer for our needs.

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Paula A. J. V.  

Nashville - TN

Posted on 2026-02-13T17:19:19.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

General ease of the process and the support from the team!

J

Jessica A. H.  

Nashville - TN

Posted on 2026-02-05T16:39:01.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael was very communicative and patient with us throughout the entire process. We will highly recommend him to others!

J

Jacob B.  

Posted on 2026-01-31T00:25:41.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

J

Jacobo J. B.  

Nashville - TN

Posted on 2026-01-31T00:25:14.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Very communicative team and easy document upload process

M

Michael S.  

Posted on 2026-01-22T13:29:48.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

M

Michael S.  

Nashville - TN

Posted on 2026-01-22T13:29:39.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

It was very easy to communicate with you and the company. Getting the paperwork done was a breeze. Also, the process was very smooth!

M

Megan C.  

Brentwood - TN

Posted on 2026-01-17T14:33:27.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Effective communication and smooth process!

J

Joseph H.  

Posted on 2026-01-15T14:09:58.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

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Joseph H.  

Brentwood - TN

Posted on 2026-01-12T13:26:00.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Quick preapproval process. Everything was able to be done online during the mortgage

P

Parsa  

Posted on 2026-01-08T16:16:41.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael and his team were amazing to work with. They were extremely responsive, knowledgeable, and made the whole loan process easy!

P

Parsa Z.  

Franklin - TN

Posted on 2026-01-08T16:15:53.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael and his entire team were amazing to work with. He is professional, responsive, and made the entire process smooth from start to finish.

T

Todd W.  

Posted on 2026-01-07T13:34:20.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael was very professional and guided us into a great loan product that fit our needs. The process was user-friendly from start to finish with electronic document collection and e-signing of the closing docs. His underwriting team was great to work with as well. Thanks again - we had a great experience!

W

William T. W.  

Nashville - TN

Posted on 2026-01-07T13:33:53.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael was very professional and guided us into a great loan product that fit our needs. The process was user-friendly from start to finish with electronic document collection and e-signing of the closing docs. His underwriting team was great to work with as well. Thanks again - we had a great experience!

C

Celso T. C.  

Nashville - TN

Posted on 2025-12-24T15:11:13.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Exc communication; easy to navigate portal;

J

John R.  

Nashville - TN

Posted on 2025-12-08T15:15:36.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael Ribas and Erika Lane were absolutely excellent. Very progressional and extremely responsive. My loan process was very smooth thanks to their amazing work. I highly recommend them to anyone and give them extremely high remarks.

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Diana T.  

Las Vegas - NV

Posted on 2025-12-02T22:47:43.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael is great to work with- he has managed 4 mortgages for us in 4 states

R

Ryan T. H.  

Nashville - TN

Posted on 2025-11-18T21:34:03.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

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!

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Grant W. Y.  

Talbott - TN

Posted on 2025-11-15T16:59:50.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

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 distance was an issue. Highly recommend for any remote investor!

D

Delon N. H.  

Chicago - IL

Posted on 2025-11-10T22:53:23.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Very responsive and easy to work with

T

Thomas E.  

Posted on 2025-11-10T13:32:25.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Great mortgage broker would definitely recommend!

T

Thomas E.  

Franklin - TN

Posted on 2025-11-10T13:32:04.000Z

4.0 ★ ★ ★ ★

for

Michael Ribas

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!

E

Eric N.  

Nashville - TN

Posted on 2025-11-07T22:11:30.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

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 were applying at a time when interest rates were very volatile and Michael's newsletters and guidance were an amazing resource in helping us navigate this (perhaps the most critical) aspect of the process. Thanks again for a great experience!

D

David A. I.  

Murfreesboro - TN

Posted on 2025-10-30T13:12:16.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

The First Horizon team is top notch! The process was seamless and timely. I greatly appreicate their help!

G

Grant W. Y.  

Morristown - TN

Posted on 2025-10-20T16:18:48.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Very professional and helpful to fix problems and offer alternative solutions

L

LaMel B.  

Brentwood - TN

Posted on 2025-10-20T15:12:26.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

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 process, making me feel confident, informed, and appreciated. I couldn't have asked for a better experience. Thank you for making such an important moment feel so smooth and special!

K

Kurt D. B.  

Franklin - TN

Posted on 2025-10-17T19:53:34.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

I appreciated the customized and high touch service throughout this process. Look forward to working with Michael and team.

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Natalie N. B.  

Franklin - TN

Posted on 2025-10-02T18:57:48.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Michael is very professional, knowledgeable but yet warm and friendly. Great combo! Cara is as well. Could not ask for a better team.

U

Usha S.  

Franklin - TN

Posted on 2025-10-01T23:31:13.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Every one who i spoke to was very helpful

M

Michael J. H.  

Nashville - TN

Posted on 2025-09-18T13:06:08.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

Good system. Great people.

N

Nicholas C. M.  

Brentwood - TN

Posted on 2025-09-03T16:44:26.000Z

5.0 ★ ★ ★ ★ ★

for

Michael Ribas

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 myself or family...