Owner occupied commercial loans; rates and terms?

[Jon Klaus]

What are you seeing on owner occupied commercial property mortgages?  Rates, terms, points, etc?

[Eric Schleif]

5 years in the mid 3's with 25 year amort
7 years in the high 3's with 25 year amort
10 years in the low 4's with 25 year amort
LTV up to 80% for standard loan or 90% for 504.