"Why don't you buy a house?"
That's how I remember it starting. Since I've moved to the Big City, I've been a non stop renter, usually only moving when extenuating circumstances encouraged it - rent went up too high, income went down too low, etc.
For the last 3 years I had shared a rental house with a good friend. Most of the pro's and con's in that situation would be the same items on 2 different lists. I simply was too lazy to change the status quo, both in real time physical effort required to move from one place to another, and in the emotional strength needed to broach the subject with my roommate and then start looking.
Then MyFella upped the ante. "I'll go in half with you." "I'll get you moved."
So one night sitting on the couch we logged onto a website and started looking at houses. We submitted information on line to some mortgage companies. We had an inbound call from a realtor referred by the mortgage company (I would do that part differently.)
Most of the houses MyFella would find on line and send me the address. I would take a drive by on the way to work and if it looked OK, I would go from there. Many houses passed the drive by test. Not many passed further than that. And quite a few we lost just due to timing.
"I would rather buy a house with you and drive home to our home every weekend, than for you to keep giving rent away for years." It made sense. Well, to me, it made sense if someone was in it with me. I had no interest in being the only person responsible for a house.
So from my recollection, that's how it came to be that we wound up homeowners.