That is essentially correct. Though people have made their own houses and got them added to the server.
I've tried to find out how to do that now-a-days and no one can seem to tell me. I had one back when I was a GP ages ago, but now no one seems to know anything.
Though I don't know what the administration and management think about playerhouses anymore, aside from that, they could easily be uploaded for players still. I don't see any reason why not and many staff probably have nothing better to do.
Thor did ask me to make my own playerhouse once. (lol)