Ask the loan officer if they've pulled your credit scores and run your data through the underwriting computer pre-approval system (AUS). If the loan officer did this and received a positive response, he or she should be able to give you a "pre-approval" letter with conditions if any. Keep in mind that all of your loan documentation (w-2's, bank statements, etc.) still have to be reviewed by the lender's human underwriter. This normally does't happen until the loan application is complete down to the appraisal on the home you are buying. Occassionally, underwriters will have comments or additional doc requirements for you to meet prior to closing.