There is one common cheat, but it involves your town being flooded to the maximum with weeds. If you do not want to pick a whole town full of weeds, then do not follow the following cheat:
Place ten to twenty thousand bells in the bank (or more), and save your game. Then, change the time settings to ten years in the future (this is known as 'time traveling'), and when you go to the bank, your interest should pile up to where you can pay off a good portion of your mortgage, if not all of it.
Got to www.Animal Crossing: City Folk Cheats, Animal Crossing: City Folk Cheat Codes, Animal Crossing: City Folk Wii Cheats | GamesRadar
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type into google acww cheats and there are loads
you press x and the cheats come up
Basically all it is for ME is a website to find game cheats. I use it to find cheats for Animal Crossing Wild World.
190 cheats on this page http://www.neoseeker.com/Games/cheats/DS/animal_crossing_ds.html#cheat
To enter your cheats you must have an Action Replay. You put the codes in that and they are in your animal crossing game.
Use an action replay
Once you pay off your mortgage yes.
just type into google acww cheats ds and there should be loads
Nintendo is evil, PC is where it's at, the best one is 2408a1
super cheats.