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Ok, I got it
Expansion guide GCN
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Firstly you have buy your tiny(4x4) house first for 18,700 bells.

*Then when you go into tom nooks shop after you pay it off he will ask you if you want to upgrade (expand) your house and he will ask you what colour roof you want*.

The next day your house will be 6x6 squares big which will cost you 148,980 bells.

Go to tom nook and he will ask you if you want a basement or a bigger room ALWAYS GO FOR THE BASEMENT.

When that's paid off your house will have a 8x8 size room downstairs which will cost you 47,500 bells.

When you pay that off your room will be expanded to 8x8 and will cost you 398,000(I know it's a little pricey).

The final expansion will add a 6x6 room upstairs but will cost you 798,000(very expensive I know).

Now, I'm sure your asking "What do i get for paying all of that money (1,410,200 bells)?" Well you get a statue of yourself(Gold for being the first to pay it off, silver for being the second to pay it off etc etc)and a bank account for spare money.

*will happen every time you pay off your loan*