I'm looking for a site template that look similar to all the great looking commercial sites out there. ie. litmus.com, mediatemple.com, icontact.com.
They all seem to have common structure and seem to be a popular choice for "web 2.0" sites that sell stuff.
I want to minimize the time I spend building it from scratch, because I am new to programming and web design.
I don't mind using CMS or framework.
Based on the fact that you sound like you are very, very new to this. I recommend you go spend $20 and download something from http://themeforest.net. They have some of the highest quality themes around from very talented designers. Some are plain HTML/CSS while others are built for systems like wordpress or drupal.