Thats a very wise decision Ashok. If more people thought like you, we wouldnt' be in this crisis right now. I can keep an eye out for something decent and send you listings if anything comes if you dont mind. Please feel free to call or email me anytime. Thanks

Kamal Randhawa
Broker
510-932-1066
k.randhawa@sbcglobal.net

Thank you for all your replies. considering the best practice 3 times of my annual salary,
I am stretching little more. I am not going to go more than 500k, my target rate will be
between 400k-500k. I am ready for 40% down payment. I would rather wait for the price
to come down if there is no room for negotiation.

Ashok, There are a few available. But I think this is still too much to ask for, at this point. Based on all your requirements, I can kind of visualize what you are looking for. You might have to go upto around $540 K. Also note that there are multiple offers comming up on the properties in this range. And offers are comming over the list prices.

Feel free to call / e-mail me if you need more information.

Harpal Harika
Realtor

Hi Ashok.

If you like, I can send you a list of properties that match your criteria. We offer 1% of the purchase price towards your closing costs. Please feel free to call or email me anytime. Good Luck.

Kamal Randhawa
Broker
510-932-1066

Not only can it be done, but my company, Sidewalk Homes, offers buyers rebates of 50% of our commission on the purchase - that can be $7500 on a $500K home. It's simple - I'm paying the 'broker split' to my customers. For more details visit http://www.sidewalkhomes.com.

Will Bateson, Broker
Sidewalk Homes
925-455-0845 http://www.sidewalkhomes.com

Hello Askok,

It certainly can be done! If you want to watch market values in a given neighborhood or town, check out http://www.VickieSellsHomes.com for monthly market snapshots.

If you are not currently working with a dedicated buyer’s agent in the area I would welcome an opportunity to interview with you, learn more about your home requirements and discuss how I can help. We could also discuss the market and the unique opportunities and challenges presented by short sales and foreclosure properties.

Kindest Regards,
Vickie Nagy
Realtor® - ABR, CRS, e-PRO, GRI, SRES
Specializing in "GETTING YOU WHERE YOU NEED TO BE"
(925) 407-7987 cell
http://www.VickieSellsHomes.com
http://www.BestTriValleyHomes.com
Vickie Nagy | Keller Williams | 760 Camino Ramon Suite 200, Danville, CA 94526
CA DRE License #01363932

Hello,
I just checked and there are two properties that meet those specifics. If you would like me to send them to you, please send me an email at jliotta@apr.com. I can also set you up for an auto-email service that will send you a notification to your email everytime a new listing goes on the market with those requirements. Hope to hear you from you.
Joanne Liotta, REALTOR
DRE # 01437462
Alain Pinel Realtors
925-785-1586

Check Centex builder Fioli community in San Ramon ( town house), it may meet your requirement