Whitecap Mortgage – Your Trusted Mortgage Experts

Welcome to  your one-stop shop for
Bethany Beach and Rehoboth Beach Lender Real Estate & Mortgages! 
As Sussex County Delaware leading mortgage lender and broker I  believe that excellent service and a reputation for honesty, integrity and reliability are just as important as helping you find your beach home in Bethany Beach, whether it’s your primary,  second home or retirement home of your dreams, and effectively marketing your current home for sale. As a investor of with several beach area rentals, profitable spec building, and deep understand for foreclosure properties and process my knowledge comes first hand when providing advise.This website provides seamless access to 100’s of properties for sale, short sales, banked own / REO, Fannie Mae HomePath Homes, FSBO FREE home value quotes, tips and advice for both buyers and sellers, local community and school information, fully interactive mortgage tools, answers to frequently asked questions, and much more.

I simply provide you with superior service at all times and give you all the information you need to make a wise decision.

If you need immediate assistance,
Click Here to Ask An Expert

Best Regards,
Steve Morgan,
Whitecap Mortgage

Serving North Bethany Beach, South Bethany Beach, Central Bethany Beach, Fenwick Island, Dewey Beach, Rehoboth Beach, Lewes Delaware and the surrounding areas.


See how much you qualify for in today's market.


We can help you lower your rate or take cash out.

Today's Rates

See if the time is right for you to purchase
or refinance.

Ask A Question

We can answer your mortgage related questions.

What are you waiting for?

Getting started is easy!

Loan Programs

We can help you make a purchase, lower your payment, take cash out, or consolidate debt.

FHA Loans

VA Loans

Conventional Loans

Home Refinance Loans

Jumbo Home Loans

Home Purchase Loans

What our clients are saying

Missy McLaren Lewis

Steve Morgan is not out for himself. He’s out to help the individual. Two times now he steered me in the right direction. As a woman on a fixed income it means the world! Thank you Steve

Mark B Cyr

asked for and more! Professional is just the beginning of how I would describe his service. Thanks Steve!