My friend refinanced her mortgage about a year ago.

She recently applied & was approved through a bank for a Home Equity Line of Credit. The bank said to check with her legal advisor and/or other mortgage lien holder as to whether any prior liens contain acceleration clauses which would be activated by a junior encumbrance.

She contacted her lender, they told her the loan did not allow second mortgages so now she can't get the loan.

I have never heard of that, is it a common loan term? We live in Arizona.