I'm no expert but I can deploy some of my knowledge about Lupus since I was diagnosed with it a few years ago.
Anti Nuclear Antibodies can be present in a number of diseases (auto immune) which includes Lupus. But they can also be present in your blood and you can be perfectly fine (no apparent disease). A Lupus patient would usually present with other clinical symptoms like severe joint pain, kidney problems, skin rash problems, etc, and then have a blood test to test for ANA to confirm the Lupus. Other blood tests to confirm Lupus are called "Blood Complement" tests which test the levels of blood complement proteins in the blood.
Seeing that your ANA levels suggest some activity is going on I suggest that you get referred to a rheumatologist to investigate this further. You may or may not have Lupus, but it is worth getting checked out. Lupus can grumble along all your life without any major health concerns, or it can also turn nasty.
Hope this helps