When you first start the game, you live in a tent. Pay off your loan to upgrade to a house. Next, you have to talk to Tom Nook to get your next home loan, then pay it off with the ABD machine in the post office. You have to pay off this first house loan before you can go to the island resort.incomparable vistas are particularly stunning at sunrise and sunset which is also the best time to climb up and avoid the heat and humidity.