History
First Centennial Mortgage (FCM) is a family owned mortgage banker helping families and individuals realize the American Dream of homeownership, since 1995. We assist our customers with products that represent every aspect of the homeowner's financing needs. The cornerstone of our company is the team we have built. We have been successful at attracting the best and brightest in the industry and are committed to the best customer service. We underwrite, close, and fund all of our loans in-house, giving us the ability to control the loan process from beginning to end. We have been recognized and received numerous awards over the years: Mortgage Executive Magazine named FCM as one of the Top 100 Mortgage Companies for the last six consecutive years; named a Top 100 Mortgage Employer by National Mortgage Professional Magazine, and identified as one of the Chicago Tribune Top Work Places two years in a row. We lend in 13 states: Arizona, California, Colorado, Florida, Illinois, Indiana, M
Specialties
Al Frederick is the Branch Manager at First Centennial Mortgage in the Algonquin, IL office, with almost 20 years of experience as a Mortgage Loan Officer and Branch Manager. Al is unbelievably organized which helps him structure his loan files in a way that avoids delays and issues throughout the loan process. He has extensive experience with first-time homebuyer programs, such as the IHDA Illinois down payment assistance program, as well as other loan programs to fit your needs, such as FHA, VA, USDA, Conventional loan programs, and more. Al's positive reputation is based on the customer service, integrity, and honesty he and his team provide to his clients and referral partners. Al currently resides in Lake in the Hills with his wife and two children. During his free time, he enjoys golfing and going to the gym. Whether you seek to purchase a home or refinance an existing mortgage, Al is a mortgage professional you can trust. He makes himself available to answer your homebuying questions any time of the day, any day of the week, to ensure the loan process goes smoothly and each loan closes on time.