It will look like you're starting to load then it will send you back to the character page with a window listing your place in queue.
DO NOT HIT CANCEL. That will start you all over again in queue. From past experience, about 150-200 players are loaded into the game every minute if a queue is active.
Because there's a lot more to the game than just housing. If you're only playing the game because you wanted a house, you're a rare player and honestly made a bad choice for your game. There are other MMOs with better housing systems (though their other game play is lacking in a lot of ways).
Considering Spriggan is one of the lowest population servers, I don't think you'll have a problem getting a house.
This is what I generally do.
It depends on your local time. Maintenance is scheduled to end at 3 am Pacific Daylight Time. You'll need to convert that to your local time.
It shouldn't be longer just because housing is involved. It's generally come up on time in the past though there's always the chance there will be some problem with maintenance that might delay it a little.
By playing the game, of course. That's not a lot of gil though it might seem like a lot to a low level character.
All those little bits of gil you get for playing any content except Gold Saucer start adding up rapidly if you don't spend it. Roulettes, challenge logs, treasure maps, FATEs, leves, beast tribe dailies - all reward gil that will add up quickly the more you play.
Sell any items you've got sitting in your inventory or on retainers that you don't need immediately. You want the gil now and can always get more of those items later. Also make certain you've got your retainers going out on ventures to get more items to sell.
When it comes to spending your gil, ask yourself if you need that item more than you want a house. If you're buying items off the MB, make certain that there's not a Shop Selling Price that is less than what the item is listed for on the MB. If there is, buy the item from the vendor instead. If you don't have access to the vendor, ask a friend to buy it for you and give them the gil.
Avoid paying Aetheryte fees when possible. You can buy Aetheryte tickets with Allied Seals at your Grand Company's Hunt Master or Centurio Seals at the hunt vendor in Ishgard if you have the Hunt unlocked and you do the daily and weekly hunt bills (or Masked Carnival on Blue Mage in the case of Allied Seals). Considering how much teleporting we do, using the tickets can easily save 5-10k gil a day. Again may not seem like much compared to a house purchase price but everything together will start adding up quickly.