I concure with Mrs. Schultz. If you have confindence in your lender then by all means use them. As part of looking out for your best interest they should already be doing their due diligence in exploring all available financing options. Fair Oaks is a fabulous area but I would highly recommend expanding your search to include areas in close proximity to F.O.'s such as Folsom or even Granite Bay for example so that you can get a true feeling of what homes and lifestyle ammenities the area has to offer.
Also, don't worry about having to pre-qual with a specific bank on certain purchases...You can't throw a rock in this area without hitting someone that can help you take care of that and still keep your lender.
Have a nice day and I hope that you choose to make this part of Northern California your home.