Banks calling loans

[CJ M.]

So far I've only used 2 lenders for my financing. One said that my loans could not be called. The other lender said, "technically yes, but I've never seen it here in 10 years if you keep making your payments on time."

My questions are, why do banks typically call loans? Is there anything a borrow can do to prevent it with a lender already in place? Is it even anything to worry about? Should I only focus on loans where the note cannot be called?

You see where I'm going. Just trying to get some general info.

Thank you,

CJ