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
- RRichard L. M. I.Nashville - TNPosted on 2024-09-26T17:37:07.000Z5.0forMichael RibasHonestly, Michael is 1 in a million. So is the team around him. I don’t know if this is more First Horizon culture or just really high quality micro-culture, but we couldn’t be happier and we plan to stick with Michael for future home and other financial needs. So lucky to have Michael Ribas and his team Erika Lane, April Harris, and others. Thanks you guys!
- MMichael L. W.Nashville - TNPosted on 2024-09-10T11:17:49.000Z5.0forMichael Ribasextremely responsive. all issues or questions resolved quickly. also, proactive in getting me the best loan options and terms
- TTaylor J. B.Nolensville - TNPosted on 2024-08-29T03:08:48.000Z5.0forMichael RibasIt was easy and straight forward. Everyone was very helpful and informative and quick in response.
- XXiu F. Z.Nashville - TNPosted on 2024-10-18T16:59:21.000Z5.0forMichael RibasProfessional and efficient team
- JJames A. W.Spring Hill - TNPosted on 2024-10-11T12:55:26.000Z5.0forMichael RibasBetter communication - especially regarding closing and the amount of time required to fund the loan. We were told by the notary that the loan could be funded in 72 hours- which would have been 2:30 on Friday, but it didn’t actually fund until Tuesday. The title company sent the house payoff to our account- making us get involved in paying off the mortgage- should have wired funds directly. Payments that were to go to pay off debt were also sent to us to deal with. Would have been much easier if the payoff amounts would have been wired to us and payments could have been made instantly online (proof of payments could have been provided) but instead, we had to pay more than $200 to send the payments 2-day to avoid extra interest charges. This is not the first refi we have done- but it definitely was the messiest. We are glad it’s over.
- TTaylor K. B.Nolensville - TNPosted on 2024-08-26T12:12:13.000Z5.0forMichael RibasIt was easy to complete the items. Michael and the team were very responsive to questions I had.
- PPaula E. P.Nashville - TNPosted on 2024-08-15T01:53:48.000Z5.0forMichael RibasGreat communication through the process Thank you
- TTroy J. B.Gallatin - TNPosted on 2024-08-03T20:25:11.000Z5.0forMichael RibasVery clear and efficient process. Great communication and always available to answer questions and guide me through each step.
- AAndrew B.Nashville - TNPosted on 2024-08-01T15:12:26.000Z5.0forMichael RibasVery on top of things and guided us through this process seamlessly. Very pleasant to work with and answered all questions
- VViviane M. W.Cookeville - TNPosted on 2024-07-27T19:10:39.000Z5.0forMichael RibasMichael was very responsive and made the whole process easy.
- CChristopher R. E.Santa Rosa Beach - FLPosted on 2024-07-27T14:04:33.000Z5.0forMichael RibasEverything really. Website portal easy to use, good rate, always willing to answer questions along the way, prompt communications. All good!
- AAnderson H. W.Cookeville - TNPosted on 2024-07-22T14:05:11.000Z5.0forMichael RibasWould recommend Michael Ribas to anyone.
- MMerrick M.Franklin - TNPosted on 2024-07-17T01:39:59.000Z5.0forMichael Ribasservice and responsiveness
- SSteven J. B.Whitwell - TNPosted on 2024-07-10T14:07:19.000Z5.0forMichael RibasMichael and Team are fantastic to work with, very knowledgeable and timely. Michael has built a relationship with me for multiple years prior to even closing on a mortgage with him. Highly recommend him and his team. Will be back for future mortgages.
- LLillian B. B.Nashville - TNPosted on 2024-07-09T14:41:26.000Z5.0forMichael RibasMichael and his team were amazing communicators. All our questions were answered within minutes. They made the whole process so easy and organized.
- MMaegan K. E.Joelton - TNPosted on 2024-07-08T13:20:03.000Z5.0forMichael RibasProcess was very easy to get everything turned in and signed! Enjoyed working with you
- MMatthew D. R.Nolensville - TNPosted on 2024-07-08T13:15:58.000Z5.0forMichael RibasVery responsive. It is hard in my line of work to have time between 9 to 5 to handle banking items. The flexibility and quick response times made it so the loan process didn’t get drawn out over months.
- JJames D.Franklin - TNPosted on 2024-06-27T13:37:51.000Z5.0forMichael RibasMichael Ribas was great. Informative and responsive throughout the process.
- MMegan E. S. S.Hixson - TNPosted on 2024-06-21T12:54:02.000Z5.0forMichael RibasVery responsive and helpful!
- GGeorge K.Brentwood - TNPosted on 2024-06-19T03:17:19.000Z5.0forMichael RibasFrom the First Horizon bank agent (Allie Barringer) to (Michael Ribas) and (Erica Lane and April Harris) we have been treated as the most important client. Our concerns were address in a timely manner; also all of our questions were answered in detail. They all were professional and experience to our concerns and question; and made us feel comfortable all the way through the process. I would recommend anyone that ask; to use this service without a doubt. Your staff show --- that they were second to none. Great Job All Appreciate all of your professionalism The Kings
- PPatrick M. L.Nashville - TNPosted on 2024-05-30T12:30:00.000Z5.0forMichael RibasGreat experience
- SSang H. K.Murfreesboro - TNPosted on 2024-05-16T12:44:25.000Z5.0forMichael RibasMichael Ribas and his team were very responsive and helpful throughout the whole process. The rates he provided were significantly better than other loan providers. I would highly recommend him to anyone looking to purchase a home in TN.
- LLauren L.Murfreesboro - TNPosted on 2024-05-13T15:01:17.000Z5.0forMichael RibasMichael has been very informative and responsive. Felt very taken care of and would recommend to anyone.
- AAudrey L. B.Nashville - TNPosted on 2024-05-10T01:48:50.000Z5.0forMichael RibasFriendly, knowledgeable, and quick/efficient responses throughout the process.
- JJoshua R. G.Brentwood - TNPosted on 2024-05-08T22:28:37.000Z5.0forMichael RibasEase of communication, always available, and easy to understand explanations.
- FForrest P. A.Nashville - TNPosted on 2024-05-06T22:19:37.000Z5.0forMichael RibasNo issues. Great experience
- HHeather K. M.Burns - TNPosted on 2024-05-02T03:37:41.000Z5.0forMichael RibasKnowlegdable, friendly, and easy to work with. Will definitely recommend to friends and family in the future.
- IIan C. M.Nashville - TNPosted on 2024-04-12T14:16:55.000Z5.0forMichael RibasVery easy and thorough communication, lots of updates and reminders sent via email regarding status/progress. Whole team was helpful and pleasant to interact with.
- CCarl M. L. J.Brentwood - TNPosted on 2024-04-02T22:28:02.000Z5.0forMichael RibasThis was a difficult transaction on a niche product (C2P) in a up and down economy. Happy that we were able to get it across the finish line and thanks for all the hard work.
- AAnderson H. W.Nashville - TNPosted on 2024-03-31T12:12:37.000Z5.0forMichael RibasGreat experience. I am a repeat customer.
- VViviane M. W.Nashville - TNPosted on 2024-03-22T12:52:06.000Z5.0forMichael RibasMichael was always responsive
- JJeffrey P. N.Decatur - GAPosted on 2024-03-11T12:44:32.000Z5.0forMichael RibasMichael’s team was very responsive, and the various online tools made the tedious part of document gathering much simpler.
- PPeter C. W. J.Nashville - TNPosted on 2024-03-01T21:07:04.000Z5.0forMichael RibasFirst home. Great experience!
- AAditi B.Nashville - TNPosted on 2024-02-19T13:40:09.000Z5.0forMichael RibasEase of communication and responsiveness of team
- GGeorge A. T.Nashville - TNPosted on 2024-02-13T16:21:31.000Z5.0forMichael RibasMike is the best!
- MMark N. B.College Grove - TNPosted on 2024-02-09T12:45:48.000Z5.0forMichael RibasMichael was fantastic through the entire process of securing a mortgage and closing on the new house we purchased. He and his team answered all of our questions, were accessible and always professional. It has led us to decide to also do our banking with First Horizon. He has been nothing but incredible through the entire process.
- AAmara A. B. M.Nashville - TNPosted on 2024-01-13T16:34:12.000Z5.0forMichael RibasMichael was very helpful in better understanding the ins and outs of mortgages, since we were first time home buyers. He also promptly answered questions and was always clear about next steps. Thanks to you and your team, Michael.
- JJames S. O.Lebanon - TNPosted on 2024-01-02T13:58:16.000Z5.0forMichael RibasThe team and their response to questions.
- MMatthew G. M.Nashville - TNPosted on 2023-12-21T18:29:45.000Z5.0forMichael RibasWe had a very successful closing! Michael and his team made the process as smooth as possible and I learned quite a bit along the way. The First Horizon team were communicative, knowledgeable and helpful the entire way through. Thank you for making our first home purchase a great success!
- RRobert B.Shelbyville - TNPosted on 2023-12-21T05:25:31.000Z5.0forMichael Ribasmichael and his team were amazing. they helped me to get through a very fast closing while always keeping me informed. even after we had to pull out of a contract, only a few days before closing, because of a seller issue, michael and his team stuck with me until i found another house to purchase. once i found another house the team made everything very easy to get rolling again, and very quickly. party at the new house when it’s unpacked. thank you michael and team. i appreciate you a lot!
- EElosha J.Brentwood - TNPosted on 2023-12-13T12:23:27.000Z5.0forMichael RibasMichael is AWESOME! He kept me informed every step of the way. He usually picked up immediately or returned my call immediately when I called. If he didn't know the answer to a question he was able to contact the correct person and give me the answer quickly. My realtor loved his information video about the process. This was my first home purchase and Michael helped make it as low stress as possible! I enjoyed my home buying experience!
- EErin C. F.Nashville - TNPosted on 2023-12-05T12:38:13.000Z5.0forMichael RibasThe loan process was smooth. Michael was great to work with.
- RRichard L. M. I.Nashville - TNPosted on 2023-11-28T16:16:50.000Z5.0forMichael RibasOn a very fast timeline, Michael got us into our new home with minimal stress. He was attentive, proactive, and had a great team built around him that we could reach out to for moving things forward. Especially around the holiday season, we were so impressed with his effort and work ethic. He came highly recommended from friends and colleagues and now we know why. My family will be using Michael and First Horizon for any future related business. Thanks Michael!
- DDanny W.Nashville - TNPosted on 2023-11-23T20:39:00.000Z5.0forMichael RibasEasy transaction, knowledgeable, and friendly
- GGregory R. F.Knoxville - TNPosted on 2023-10-23T12:28:26.000Z5.0forMichael RibasLoved working with this team. Very easy to work with and very responsive communication.
- HHannah N. T.Lafayette - TNPosted on 2023-09-18T22:53:32.000Z5.0forMichael RibasMichael Ribas and his team made it easy and non stressful through the loan process! They stayed up to date with everything and kept us updated as stuff was needed! We will definitely recommend First Horizon Bank with Michael Ribas!
- JJuliana H. S. R.Greenbrier - TNPosted on 2023-09-03T17:38:24.000Z5.0forMichael RibasExcellent communication and prompt action. Issues were solved without much delay.
- AAlejandro S. R.Greenbrier - TNPosted on 2023-09-03T15:55:11.000Z5.0forMichael RibasCommunication was great. I never had to wait days for my questions to be answered
- AAbdul-Hadi K.Nashville - TNPosted on 2023-08-27T15:50:38.000Z5.0forMichael RibasCommunicative every step of the way, answered my many questions with accuracy and grace, very flexible in tailoring the loan to our needs. Great experience.
- DDavid A. V. A.Nashville - TNPosted on 2023-08-11T10:43:30.000Z5.0forMichael RibasAt sixty years old, I have purchase and refinanced homes multiple times and so I'm familiar with how convoluted and occasionally frustrating the process can be. My experience here was excellent. Everyone involved remained engaged in the flow of documentation required and provided clear and concise information about where we were in the time line, what to expect at each step, and who and where the people involved were. At closing, Ryan Morris noted that there was an eleven cent discrepancy in the numbers. While this is miniscule on an $800,000 loan, he was also fully aware that the information had to be absolutely accurate and made sure that the closing officer located and corrected the issue.
- MMarcia B. V. A.Nashville - TNPosted on 2023-08-08T14:10:03.000Z5.0forMichael RibasIt was so easy!! And working with Michael and his team was awesome. They were very responsive to questions and made the entire process easy.
- BBenjamin D. W.Nashville - TNPosted on 2023-08-07T11:48:09.000Z5.0forMichael RibasNo thank you
- LLowell H. F.Nashville - TNPosted on 2023-08-01T11:46:20.000Z5.0forMichael RibasOverall good experience with Michael and his team. His team was always available when we needed them. The digital program was not as user friendly as I anticipated.
- KKatherine B. G.Nashville - TNPosted on 2023-07-21T20:22:08.000Z5.0forMichael RibasVery straightforward with questions answered along the way.
- RRyan B. C.Nolensville - TNPosted on 2023-07-15T15:21:29.000Z5.0forMichael RibasGreat pre-made videos for explanation. Easy application/website to use for upload. Always kept me informed. Erika Lane walked me through the final piece as well.
- SSharon L. I.Nashville - TNPosted on 2023-07-12T15:56:02.000Z3.0forMichael RibasCommunication around closing process was poor. Several people on vacation during closing.
- SSteven P. R. I.Sewanee - TNPosted on 2023-07-08T22:33:55.000Z5.0forMichael RibasMichael and his staff were very helpful and alway available to help make things go smoothly and on time.
- MMarcy J. A.Franklin - TNPosted on 2023-07-05T16:56:29.000Z5.0forMichael RibasI have worked with Michael for years. He was so helpful in helping us close on the home of our dreams!
- MMichael E. M.Nashville - TNPosted on 2023-06-25T23:24:48.000Z5.0forMichael RibasGreat communication, Michael Ribas answered all my questions and helped make the process less stressful for me.
- ZZachary J. I.Nashville - TNPosted on 2023-06-20T12:14:52.000Z5.0forMichael RibasResponsiveness
- CClare L. I.Nashville - TNPosted on 2023-06-20T11:19:13.000Z5.0forMichael RibasEasy to work with and easy to get ahold of when needed. Fast replies when we had questions
- PPatrick C. B.Black Mountain - NCPosted on 2023-06-18T21:22:57.000Z5.0forMichael RibasExcellent attention and service.
- MMark E. P.Nashville - TNPosted on 2023-06-04T01:15:50.000Z5.0forMichael Ribas..........
- DDavid C. S.Nashville - TNPosted on 2023-05-31T10:58:56.000Z5.0forMichael RibasMichael goes above and beyond to make sure the client and all the details are taken care of.
- JJeremy M. S.Brentwood - TNPosted on 2023-05-30T10:40:05.000Z5.0forMichael RibasQuick and easy. Any questions were answered promptly.
- AAnjali R. M.Brentwood - TNPosted on 2023-05-26T12:57:39.000Z5.0forMichael RibasThe whole process was make very easy and everything was communicated extremely well. Thank you
- PPratik P. P.Brentwood - TNPosted on 2023-05-23T12:02:09.000Z5.0forMichael RibasEase of communication, willing to work with clients needs, knowledge
- JJamie B.Nashville - TNPosted on 2023-05-15T21:04:47.000Z5.0forMichael Ribasefficient and quick communication
- TThomas A. C.Nashville - TNPosted on 2023-05-14T00:38:06.000Z5.0forMichael RibasProfessional and easy to work with
- JJenna C.Nashville - TNPosted on 2023-05-08T09:35:24.000Z5.0forMichael RibasMichael was easy to talk to, informative, and amenable.
- AAndrew T.Nashville - TNPosted on 2023-05-03T13:33:30.000Z5.0forMichael RibasThank you Michael for all of your support in this new and unfamiliar process. You were a pleasure to work with, and we were very happy working with you from all the lenders we spoke with. Appreciate all of the time you spent to walk us through this, answer our questions, and help us along our way. Best, Andrew + Katie
- JJyotheen K.Brentwood - TNPosted on 2023-04-24T01:16:24.000Z5.0forMichael Ribashe was very patient and worked with all parties involved like builder, designer in closing the loan
- RRobert E. M.Nashville - TNPosted on 2023-04-19T14:11:56.000Z5.0forMichael RibasEverything straight forward and very simple, even for someone like me that's not tech savvy. Communication was frequent, the online portal was a breeze, and the timing was as expected.
- DDaphne M. P. F.Brentwood - TNPosted on 2023-04-17T13:40:48.000Z5.0forMichael RibasMichael was an excellent loan officer who made us feel valued as customers. We were originally working with a different bank, but Michael's approach to servicing truly won us over. We will definitely recommend friends in the future.
- JJohn N. F.Brentwood - TNPosted on 2023-04-16T06:37:01.000Z5.0forMichael RibasExcellent communication and advocating for best loan possible
- AAnderson H. W.Cookeville - TNPosted on 2023-04-07T18:17:32.000Z5.0forMichael RibasI would highly recommend Michael Ribas to friends and family.
- GGigi A. W.Brentwood - TNPosted on 2023-03-24T13:54:55.000Z5.0forMichael RibasEveryone was respectful, responsive, knowledgeable and helpful. They made a process that can be arduous very quick and painless.
- JJohn J. W. J.Brentwood - TNPosted on 2023-03-21T15:14:57.000Z5.0forMichael RibasYour people.
- KKathonia J. J.Rome - GAPosted on 2023-03-18T11:05:01.000Z5.0forMichael RibasMichael is always awesome to work with and advises us well on loan packages
- JJohn L. V.Suwanee - GAPosted on 2023-03-09T19:22:21.000Z4.0forMichael RibasOverall Great Experience
- ZZachary B.Nashville - TNPosted on 2023-03-03T17:00:38.000Z5.0forMichael RibasGreat communication, heard back quickly when I had questions. Also they were proactive in touching base with me when information was needed so I was aware and could gather what they needed quickly.
- CCameron L. R.Nashville - TNPosted on 2023-03-01T16:39:37.000Z5.0forMichael RibasMichael was great to work with. He was very knowledgeable and helped advise us throughout the entire process. He made buying our first home as much of a stress free experience as possible.
- KKatherine G.Nashville - TNPosted on 2023-03-01T14:22:12.000Z5.0forMichael RibasMichael was incredibly helpful throughout the entire process - this was my first experience purchasing a home and he made it very easy!
- JJeremy J.Antioch - TNPosted on 2023-02-20T20:18:00.000Z5.0forMichael RibasMichael and Jamie did an excellent job of finding the best type of loan to get me, and kept me in the loop every step of the way! Highly recommend!
- GGarrett R. B.Tullahoma - TNPosted on 2023-02-20T19:49:48.000Z5.0forMichael RibasReply’s were fast
- AAmanda B.Murfreesboro - TNPosted on 2023-02-20T14:52:47.000Z5.0forMichael RibasMichael was incredible and took the time to answer any question that came to mind. I would call him worried about something and he would immediately calm me down and talk through each step with me. He is AMAZING!
- GGraham R. W.Nashville - TNPosted on 2023-02-16T17:41:12.000Z5.0forMichael RibasMichael was fantastic and really made the process as easy as you could hope. Very knowledgeable and gave my wife and me a lot of confidence that we were in great hands.
- KKevin L.Spring Hill - TNPosted on 2023-02-12T15:17:23.000Z4.0forMichael RibasMichael was easily accessible throughout the loan process. I wish the discounts were itemized to make the final loan details more transparent. Unfortunately, this misunderstanding was clarified at the time of closing which did not leave many options to remedy. This last transaction unfortunately left an overall dissatisfied experience.
- MMary A. B.Smithville - TNPosted on 2023-02-07T14:41:44.000Z5.0forMichael RibasMichael and his team were very responsive and on top of it!
- IIsabel S. R.Nashville - TNPosted on 2023-02-05T15:36:42.000Z5.0forMichael RibasThe team was very helpful, simple, and clear during the loan process
- AAndrew P. K.Nashville - TNPosted on 2023-02-03T13:16:06.000Z5.0forMichael RibasMichael Ribas is the best MLO I have ever worked with. He was in constant communication with me, and he minimized our efforts for documentation by summarizing needs and helping wherever he could. I will be referring many of my clients to Michael.
- MMary T. K.Nashville - TNPosted on 2023-02-03T12:45:12.000Z5.0forMichael RibasMichael is always very responsive. He made us aware of a product that we did not even know was available, which ultimately enabled us to purchase our home. We are grateful for his expertise!
- EElsa J.Nashville - TNPosted on 2023-01-05T16:58:23.000Z5.0forMichael RibasMichael and his team were very easy to work with and very responsive to any questions.
- JJeffrey L. M. I.Nashville - TNPosted on 2023-01-04T13:50:59.000Z5.0forMichael RibasMichael was easily accessible to us whenever we needed him. The process was stress free and simple. We will recommend Michael to everyone we know.
- JJonathan H. B.Nashville - TNPosted on 2022-12-20T12:04:58.000Z5.0forMichael RibasMichael was very responsive. He was always available to answer questions and was a great resource. Would definitely work with him again.
- TTigran K.Franklin - TNPosted on 2022-12-20T00:21:31.000Z5.0forMichael RibasMichael is responsive, available to explain the process and answer questions that come up throughout the process.
- MMiranda C. M.Hendersonville - TNPosted on 2022-12-05T15:12:29.000Z5.0forMichael RibasMichael and his moved mountains to make a very quick closing process so the closing date would fall on my wife's birthday. Couldn't ask for a better job.
- RRobin F. B.Murfreesboro - TNPosted on 2022-11-21T02:38:25.000Z5.0forMichael RibasGreat communication with Jamie Jones.
- BBrianna M.Nashville - TNPosted on 2022-11-14T12:37:23.000Z5.0forMichael RibasSuper smooth process and great communication.
- JJonathan D.Nashville - TNPosted on 2022-11-07T02:26:04.000Z5.0forMichael RibasEasy communication and smooth online interface