Same with what i posted in another thread:
I'd link you to a tutorial but i cant seem to remember where I found it~
Basically you need to move your home into towns 2. If youre house was previously from towns 1, they got rid of the server hosting homes and moved it to a new one. Thats why it cant load anymore~
Theres some guide somewhere. But I suggest you just go towns 2, travel south and follow some arrow picket signs that leads you to the docks. They will take you to a place to make your island home XD