If you have a computer Earthbound and Mother 2 for the SNES are really great top-down RPGs set in modern times (with some robots thrown in for spice.) These games are amazing, however you may need to find an english translation patch for Earthbound (it was never released in America). If you dont mind using emulators, these will probably be your best bet. Until Alpha Protocol brings the idea of modern RPGs back.

Hope this helps.