Marshawn Hogans
Loan Officer & Licensed Realtor®
NMLS #341144 · Menage Mortgage Inc. NMLS #2675480
Turned Down Before?
Let's Find Your
Path to Yes.
Menage Mortgage helps first-time buyers, self-employed borrowers, FHA clients, and anyone frustrated with the current market find real solutions — not just the options every other lender offers.
- Get started in under 60 seconds — no obligation
- FHA, VA, non-QM, bank statement, and investor loans
- Many buyers qualify sooner than they think
- Direct access to Marshawn — no call centers, no handoffs
See What You Qualify For
Free, no-obligation consultation. Marshawn reviews your situation personally and follows up within 24 hours.
We never sell your information. You work directly with Marshawn Hogans — a licensed loan officer and Realtor® serving Florida and Texas.
You're on the list — let's talk!
Marshawn will personally follow up within 24 hours to review your options. Check your email for a confirmation.
Sound familiar? You're in the right place.
What Do You Want To Do?
Clear entry points for every type of buyer or homeowner — no matter where you are in the process.
Buy My First Home
Learn what you can afford, which programs may fit, and how to start without guessing. We walk you through it all.
Start Pre-Qualification →I Was Turned Down
A "no" from one lender doesn't mean no everywhere. Non-QM, bank statement, and creative loan programs exist for exactly this situation.
See Alternative Options →Explore New Construction
Builder incentives, rate buydowns, and closing cost credits may be available — even when using your own lender.
See How It Works →One Expert. Your Loan and Your Home Search.
Most loan officers hand you off the moment a deal gets complicated. Marshawn is a licensed loan officer and a licensed Realtor® — which means he can manage both sides of your transaction, or connect you with a trusted agent in your market.
- Faster closing — loan and contract aligned from day one
- One point of contact from application to keys
- No referral gap where deals fall apart
- Realtor referral network across Florida and Texas
- Creative financing expertise for situations others turn away
Full-Service in Florida
Marshawn handles your loan and your home search in-state — no handoffs, no miscommunication.
Realtor Network in TX & FL
Outside your area? Marshawn connects you with a vetted local Realtor while managing your loan directly.
Non-QM & Creative Financing
Bank statement loans, DSCR, investor products — programs most lenders don't offer or know how to use.
Direct Access — Always
No call centers. You get Marshawn directly — from your first question through closing day.
You Don't Have to Be a Perfect Borrower
The clients who benefit most from working with Marshawn are often the ones other lenders couldn't figure out.
First-Time Buyers
Rising rents are making ownership the smarter financial move. FHA, USDA, and VA options with low down payments — plus step-by-step guidance, start to close.
Get Started →Self-Employed & 1099
You earn well — just not on paper. Bank statement loans (12–24 months), 1099-only qualification, and no-tax-return options built exactly for non-traditional income.
Check Your Options →Refinance
Lower your payment, access equity, or consolidate debt. We run the real numbers so you know if it makes sense before you commit to anything.
Run My Numbers →Turned Down Elsewhere
A previous denial doesn't close the door. Non-QM programs, creative structuring, and alternative documentation may open paths the last lender never showed you.
Find Another Path →Real Estate Investors
DSCR loans, investment property financing, and portfolio products. We help you build and scale — not just purchase a single home.
Talk Strategy →Credit Rebuilding (580+)
Your score doesn't tell the whole story. FHA-focused strategies and credit-flexible programs mean many buyers qualify sooner than they expect.
See What Fits →From First Question to Closing Day
Four clear steps — no guesswork, no pressure, no call centers.
Share Your Situation
Fill out the short form above. Takes under 60 seconds and there's no commitment or credit pull required to start.
Personal Consultation
Marshawn reviews your situation personally and contacts you within 24 hours — not a call center, not an assistant.
Your Options Laid Out
You'll see exactly which programs you qualify for, with clear numbers and honest guidance. No pressure to move forward.
Move Forward Confidently
If it makes sense, we move into application. If not, you leave knowing more than when you came in — that's the promise.
Buying New Construction? Here's How We Help.
Many builders allow you to use your own lender — and still keep the builder's incentives. When a builder's in-house financing isn't the right fit, Menage Mortgage steps in with better terms while helping you preserve credits, rate buydowns, and closing cost assistance.
- Use your own lender and still qualify for select builder incentives
- Rate buydowns may be available even when financing outside the builder
- Closing cost credits can often be preserved — we'll confirm eligibility
- Marshawn coordinates financing with your Realtor seamlessly
The CEO of Menage Mortgage is also a licensed Realtor®. We work with a network of Realtors across Florida and Texas. We strongly recommend engaging a Realtor in your local area before visiting any builder community. Your Realtor is your advocate in negotiations — Marshawn handles the financing.
Realtor-First Approach
Always work with a Realtor before visiting builders. Your agent protects your interests at the negotiating table.
Bring Your Own Lender
Select builders in FL & TX allow outside financing. We confirm incentive eligibility before you commit to anything.
Rate Buydowns & Credits
Builder rate buydowns and closing cost credits may still apply when you finance through Menage Mortgage — terms vary by builder.
Realtor Network — FL & TX
Don't have an agent yet? Marshawn connects you with trusted professionals across both states.
NMLS Licensed
Marshawn Hogans #341144
Menage Mortgage Inc. #2675480
Marshawn Hogans
Licensed Loan Officer & Realtor® — serving Florida and Texas with the kind of personal attention the big lenders simply can't offer.
Marshawn built Menage Mortgage around the clients who needed a real advocate — the self-employed borrower who couldn't fit a W-2 box, the first-time buyer who got turned away by a builder's lender, the investor who needed creative structuring. His dual license as a loan officer and Realtor® means he understands both sides of the transaction in a way that most professionals simply don't.
Whether you're in Florida or Texas, you'll work directly with Marshawn — not a call center, not a junior processor. Just a licensed professional who answers the phone.
Common Questions
What is mortgage pre-qualification?
Pre-qualification is an early review of your financial situation to estimate what loan options may fit your goals. It's a low-pressure first step that clarifies your buying power before you commit to anything.
Does pre-qualification affect my credit score?
Initial pre-qualification can often start without a hard credit inquiry. Marshawn will walk you through exactly what to expect before anything is pulled on your credit report.
What credit score do I need to buy a home?
It depends on the loan program. Many buyers begin exploring options with scores in the 580–620 range, especially with FHA-focused strategies. Non-QM programs may have different guidelines — we help you understand where you stand.
Can I get a mortgage if I'm self-employed?
Yes. Self-employed and 1099 borrowers have solid options including bank statement loans (12–24 months of statements instead of tax returns), 1099-only qualification, and alternative documentation programs. This is a specialty of Menage Mortgage.
How do builder incentives work with outside financing?
Builder incentives — rate buydowns, closing cost credits — can sometimes be structured into outside financing. As a licensed Realtor® and loan officer, Marshawn helps you evaluate and preserve these benefits before you commit to any builder's lender.
I was turned down before. Can I still qualify?
Absolutely. A denial from one lender doesn't mean denial everywhere. Non-QM programs, creative loan structuring, and alternative documentation exist specifically for situations that conventional lenders couldn't handle. Many clients who come to Menage Mortgage have been turned away elsewhere.
Are you licensed in Texas too?
Yes. Marshawn Hogans and Menage Mortgage Inc. are licensed to originate loans in both Florida and Texas, giving you access to one experienced loan officer across two of the most active real estate markets in the country.
How quickly will I hear back after submitting the form?
Marshawn personally reviews every submission and follows up within 24 hours — often sooner. You're not entering a sales funnel — you're reaching a licensed professional who will give you an honest assessment of your options.
Mortgage Insights for FL & TX Buyers
Practical, honest guidance — from understanding your options to navigating new construction deals.
How to Buy a Home in Florida or Texas: A Step-by-Step Guide
Everything you need to know before you start shopping — including what to expect from pre-qualification through closing.
Read More →Bank Statement Loans: How Self-Employed Borrowers Can Qualify Without Tax Returns
The alternative documentation options that most loan officers never mention — and how to use them to your advantage.
Read More →How to Keep Builder Incentives When Using Your Own Lender
Builder rate buydowns and closing credits don't always require using the builder's preferred lender. Here's what you need to know.
Read More →Let's Find Your Path to Yes
Whether you've been turned down before, are buying for the first time, or just don't know where to start — one conversation with Marshawn changes the picture. Licensed in Florida and Texas.
