Refi Only If Dwelling Secured Debt Being Paid Off?

I have a customer refinancing their home in order to pay off bills from home improvements that are already completed. Is this reported as a refinance or improvement? Answer: This is a refinance based on the information provided. None of the loan proceeds are for home improvement purposes. They are to pay off other debt. It was my understanding that a Refinance was only if it was a dwelling secured debt that was being paid off. A line of credit, say with Lowe's or Home Depot, wouldn't qualify. Have I interpreted this incorrectly?