The housing NPC in Shirogane blatantly says that the houses will be available to both FCs and private individuals so long as they have the money for it. There's nothing in any of the dialogue of the actual Shirogane quests, which are our most recent reliable word on Shirogane housing, that indicates FCs will be given first pick.
According to the E3 interview, "about 4.1" is the time when the housing will be opening.


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