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What does it mean to be 'pre approved' for a loan. Pre approved means that the lender (it could be your bank or credit card company or any other company that you had an account with) already have your details, and provided those details are correct, they will lend you a certain amount.
Navy Federal Homecenter. Get Pre-Approved. Being pre-approved means you've filled out a mortgage application (or you've met with a loan officer), your credit files have been reviewed, and the loan officer believes you can readily qualify for a given loan amount with one or more specific mortgage programs. Get pre-approved and start your home search!