Ben Miller Loans - HELOC
Ben Miller Loans
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Prequalification

Your Home Equity.
Funded in 5 Days.

Ben Miller
Ben Miller
(423) 430-9278
Welcome! I'm glad you're here! We now offer HELOCs through our digital platform - no obligation, and no hard credit pull until you accept your offer! Simply fill out the items below to start the process.
Renovation Finance LLC
NMLS ID # 1802847
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Checking your rate uses a soft credit pull — no impact to your credit score. A hard pull only happens if you choose to move forward.
Why Choose a HELOC from Ben Miller Loans and RenoFi?
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Funding in as Few as 5 Days
Day 1: Sign your closing documents electronically. Days 2–4: Required rescission period. Day 5: Funds wired directly to your bank account.
Fastest in the industry
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100% Online Process
No in-person appraisal needed. Complete your entire application from home — including your closing with an online video notary.
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Soft Credit Check Only
See your personalized rate and loan options with zero impact to your credit score. A hard pull is only initiated after you select an offer.
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Borrow Up to $750,000
One-time origination fee. Available on primary residences, second homes, and investment properties.
How It Works
From application to funded — here's the full picture
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Enter your property address and get instant rate options No personal information required. See your personalized HELOC options in seconds with no credit impact.
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Complete your online application Verify your identity and income entirely online. Our platform uses automated valuation — no in-person appraisal needed.
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Sign your closing documents electronicallyDay 1 Use our online video notary from anywhere. No scheduling an in-person appointment.
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3-day rescission periodDays 2–4 Federal law provides a 3-business-day right of rescission after closing. Your funds are prepared during this window.
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Funds wired to your bank accountDay 5 Your HELOC proceeds are wired directly to your bank account. No waiting weeks for a check.
Eligible Property Types
HELOCs are available on a wide range of property types and occupancy situations.
🏡Single Family / PUD
🏢Condo
🏘️Townhouse
🏗️Multi-Family
(2–4 Units)
Primary Residence
Secondary / Vacation Home
Investment Property
Why a HELOC Over Other Options?
Tap your home equity without touching your existing mortgage.
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Keep your existing low first-mortgage rate — a HELOC sits in second position without replacing your current loan.
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Typically lower rates than credit cards or personal loans, because your home secures the line.
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Revolving credit line — as you repay your balance, your available credit replenishes. Draw again during the draw period without a new application or approval.
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Use the funds however you need: home renovation, debt consolidation, education, or emergencies.
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Interest-only payment during the draw period helps keep your monthly obligation manageable.
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Interest may be tax-deductible when funds are used for home improvements — consult your tax advisor.
Ben Miller Loans | Terms of Use | Privacy Policy
Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Loan program terms and conditions will depend on underwriting and consumer credit characteristics. This is not a commitment to lend or offer of credit.
Ben Miller  |  NMLS # 974522  |  https://www.benmillerloans.com/  |  (423) 494-8894  |  404 S Roan Street, Johnson City, TN 37601  |  Renovation Finance LLC dba RenoFi  |  https://www.renofi.com/  |  NMLS #1802847  |  RenoFi operates as Renovation Technologies Holdings Inc. in California (NMLS # 2412747), Renovation Technologies LLC in Nebraska, and RenoFi LLC in New Mexico.  |  Equal Housing Opportunity  |  This is not a commitment to lend. All loans are subject to credit approval.  |  nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1802847
Initial qualification is through Lead Bank NMLS ID 635532

Points & Fees

Origination fees (2.5%) —
Total Fees —

These values are estimated. Once APIs run in step 4 (Prequalification Results), the fees will be updated.