You certainly will be able to find something in this price range in the Moraga or surrounding area. Before you start looking for a home, contact a lender to get your pre-approval so when you do start shopping you will be ready to go.
You should be able to qualify depending on your credit score and your debt ratio. I would be happy to provide you with a wonderful lender who has been in the business for many years and would be able to walk you through every step of the process. Now is a great time to buy!!!
Carolyn Zeigler, CRS
Sounds like you're in good shape with your income. It's now a matter of how much you're willing to spend, what you qualify for, and what you're comfortable with in terns of monthly payments.
But only your lender can give you the answers on how much you can afford to buy and what type of loan you can get.