The Home Buyer's Korner

Information presented should be used for educational purposes only.

August 21st, 2015

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Laie, Hawaii

LaieLaie is a somewhat small coastal town on the ocean located in the state of Hawaii. With a population of 6,138 people and just one neighborhood, Laie is the 27th largest community in Hawaii.

Housing costs in Laie are among some of the highest in the nation, although real estate prices here don’t compare to real estate prices in the most expensive communities in Hawaii.

Laie is a decidedly white-collar town, with fully 87.96 percent of the workforce employed in white-collar jobs, well above the national average. Overall, Laie is a town of professionals, service providers and sales and office workers. There are especially a lot of people living in Laie who work in office and administrative support at 15.14 percent, teaching at 14.65 percent and food service at 9.93 percent.

Of important note, Laie is also a town of artists. Laie has more artists, designers and people working in media than 90 percent of the communities in America and shapes the town’s character.

Laie is a small town with a large college student population. Because of this, there is a real youthful, hip vibe to the place and much of the life in the town is centered on the college. This has helped Laie to buck the trend of other small towns that have suffered declining populations over the past 20 to 30 years. Spending by students and faculty and staff jobs are a big part of the local economy.

For a small town, there is also a high proportion of single, often educated, people living in Laie. This is not typical for smaller communities in America and adds a feeling of vibrancy to Laie.

Compared to the rest of the country, citizens of Laie spend much less time in their cars: on average, their commute to work is only 17.51 minutes. This also means that noise and pollution levels in the town are less than they would otherwise be.

The citizens of Laie are among the most well-educated in the nation: 42.66 percent of adults in Laie have a bachelor’s degree or even advanced degree, whereas the average US city has 21.84 percent holding at least a bachelor’s degree.

Laie is an extremely ethnically-diverse town. The people who call Laie home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Laie residents report their race to be Native Hawaiian, followed by White. The main ancestry of people in Laie is English.

Foreign born people are also an important part of Laie’s cultural character and  accounting for 21.06 percent of the town’s population.

The languages spoken by people in Laie are also diverse. These are tabulated as the languages people preferentially speak when they are at home with their families. The most common language spoken in Laie is English. Other important languages spoken here include Pacific Island languages, Japanese and Chinese.

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HOME OWNERSHIP TOOLS

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HOME OWNERSHIP TOOLS

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

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