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As long as your characters arent the leaders of both their respective FCs, that shouldnt be an issue.
So yes, your two characters can join two seperate FCs with a house each.
You can be the leader of 8 FCs. Each with their own house. The restriction regarding the limit of FC houses on a single service account were temporary and haven't been effective for months now.
There have been a few changes might want to check out latest restrictions in terms of owing FC and houses. I could post the info, too lazy besides seems forums are just for quick answers. Put some work into it O.o/
Patch 4.2 housing section
https://na.finalfantasyxiv.com/lodes...3e139e9792abf/
Playerguide
https://na.finalfantasyxiv.com/lodes...ing_land/#tab1
Please disregard the uninformed post above, the restriction regarding FC houses on a single service account is inactive.
There never where restrictions on ownership itself. The only restrictions where on buying a house. That couldnt be done when an alt was fc leader