To gain your first house, you need to travel to Webwood (look at the world map to see where it is at). Once you reach that region, you will find a town called Canneroc that is in some trouble and requires help. You will need to talk to a man called "Garaner Vernt". He wants you to go find the militia captain whose name is "Barten" and make sure that he is dead. Go south to a cavern called "Shade River Caves" and battle through to the end of the cave to find him. Once there talk to him and tell him that "Garaner Vernt" has betrayed him and wants him dead. Return to the town of Canneroc with the militia captain and then talk to him. He will reward you with a key to Gossamer End, your first house. You can then buy multiple upgrades for the house.