Yes, retainers don't become available normally for new characters til you
join the Scions of the Seventh Dawn as part of the storyline after completing the first three instanced dungeons from level 15-18
, however if you're playing a returning 1.0 character who had hired a retainer in 1.0, you'll be able to use that retainer right away (you have to speak to an npc in the market area of each city and recreate their appearance). Once a retainer is hired, you can summon them by finding a 'summoning bell' in various locations around each city.
As for a Mog House equivelant, there isn't a literal Mog House in the game yet, but there is Inn Rooms you can access in each of the Adventurer's Guilds in each city - but these aren't unlocked until you complete the level 10 story quest for that city (you're informed that the Inn has become available when you complete this quest). But actual player-owned housing won't be available for a while yet I'm afraid.