I'm wondering why this was downvoted - I'm really curious, too. In particular, what they mean by "first getting started", and whether "home" means a house or something like an apartment/condo.

From my perspective they skipped a step or two and some of the difficulty came from that. I started by renting an apartment with a friend and saved up enough for a down-payment on a normal loan in a condo over two years. It's been five more years since then, and only now would I consider a house (though don't really want to move yet).