|1st Mortage||19,800 Bells|
|2nd Mortage||120,000 Bells|
|3rd Mortage||298,000 Bells|
|4th Mortage||598,000 Bells|
|5th Mortage||728,000 Bells|
|6th Mortage||848,000 Bells|
|7th Mortage||948,000 Bells|
As the size of your house increases, so will the size of Tom Nook's shop. Though it doesn't always happen to be the case, Tom Nook will usually expand his shop around the time you're ready to pay off your own current mortgage. Tom Nook's expanded stores will carry more and more items for sale. When he finally expands into the store Nookington's, Nook's shop will have two floors of goods, included furniture and a salon where you can change your hair style!
Once you've joined with the Happy Room Academy, you'll periodically get letters with ratings of your home. These ratings depend on a couple of things, including the size of your home and the manner in which you decorate it. You can score lots of Happy Room Academy points just by putting together furniture from the same series (example: Exotic Chair, Exotic Wardrobe, Exotic Screen). Perhaps more important, however, is the feng shui of your home.
Items of a certain color can improve the feng shui of the home if properly arranged. As outlined in the diagram to the right, place green items in the south part of the room, yellow items in the west side of the room and red items in the east side to improve your home's feng shui. To get the most from the effect, make sure the colored items are no more than one space away from the proper wall.
It's also possible to improve your in-game luck by placing certain items in your room. The following items are among those that'll boost your luck: big festive tree, birthday cake, bug trophy, dracaena, festive tree, fish trophy, flower trophy, garden gnome, ivory piano, jack-in-the-box, lefty lucky cat, lovely phone, lucky black cat, lucky cat, lucky gold cat, music box, piggy bank, portrait, racoon figurine, samurai suit, treasure chest, washer/dryer.
Your home isn't the only thing you need to care for. If you want to keep your neighbors happy then you'll have to spend time tending to your town and the environment. There are a number of things to look after. We'll briefly cover them here.
There are a few things you can do to keep your environment tidy, the most obvious of which is picking weeds. Every day, new weeds grow around your town. If you let them sit for long, they'll soon grow larger and become even more of a pain to erradicate. It's a good idea to pick weeds first thing every day. Stop 'em while they're young and they won't grow to be a nuisance.
When picking weeds, be careful not to mistake withering flowers for unwanted plantlife. Withering flowers will take on a yellow hue and appear to be dead. However, giving them some water with your watering can will bring them back to life. Water the dying flowers a couple of times during the day and you'll find the flower has sprung back to life on the following day.
Outside of general gardening, you'll have to also pay attention to the feedback your town's residents send to the Civic Center. Talk to the attendant at the Town Hall and ask about the "Environment." She'll read you recent comments and give tips for making things better. Town residents want more trees? Buy some tree saplings from Tom Nook and plant 'em around the area. Neighbors bugged by the garbage in your town? Pick up the garbage and recycle it to make things right!
Like the environment, your neighbors need your constant attention. To keep your town's residents happy, you'll have to spend time interacting with them. If you don't, they may move out of your town completely.
Most importantly, talk to your neighbors. Just being friendly with them is usually enough to keep them interested in your town. You can even simply wave to them by tapping on the neighbor while walking around the town. Little things count.
If you want to go the extra mile, you can write letters to your residents to please them. You can even attach presents to your letters before mailing them, and your neighbors will almost always respond with a letter and a present of their own! Furthermore, items you send other townies will often show up in their homes. It's a neat way to interact with the game and build a relationship with the residents.
Sometimes, no matter how well you treat them, your neighbors will want to move away. If you notice that a particular resident isn't roaming the town one day, stop by his house and talk to him. If you see him packing, you can try to persuade him to stay. It may take a lot of begging, but you can keep your residents in your own town by bugging them until they cave to pressure.