Congrats on paying off the home loan! That's one of the most challenging aspects for me playing this game :'). I agree with you on one character multiple houses. I would love to try having houses with different themes and not necessarily have to save+quit to access the other homes.
Congrats! I never really fully finish mine. It's get very expensive so I usually just have some added room but don't quite fully expand all the rooms all the way. Though on some rooms , depending on the theme it doesnt look quite bad. Did it take a really long time for you?
That's great! Congratulations! Milestones like that make you feel so happy, don't they? Paying off your home is quite the accomplishment, especially if you are making your bells the old fashioned way!