Exhibit 3.10


                            ARTICLES OF INCORPORATION
                                       OF
                         MERITAGE HOMES OF ARIZONA, INC.


         FIRST: The name of this corporation is MERITAGE HOMES OF ARIZONA, INC.

         SECOND: The purpose for which the corporation is organized is the
transaction of any and all lawful business for which corporations may be
incorporated under the laws of the State of Arizona, as they may be amended from
time to time. The character of business which the corporation initially intends
actually to conduct in the State of Arizona is the sale of homes.

         THIRD: The aggregate number of shares that the corporation shall have
authority to issue is one thousand (1000) common shares, all of which shares
shall be of a single class.

         FOURTH: The name and address of the initial statutory agent of the
corporation is C T Corporation System, 3225 N. Central Avenue, Suite 1601,
Phoenix, Arizona 85012. The street address of the initial known place of
business of the corporation in Arizona is 6613 N. Scottsdale Road, Suite 200,
Scottsdale, Arizona 85250.

         FIFTH: The number of directors constituting the initial board of
directors of the corporation is two (2). The names and addresses of the persons
who are to serve as directors until the first annual meeting of shareholders, or
until their successors are elected and qualified, are:


                  Name                  Address

                  John R. Landon        4050 W. Park Boulevard
                                        Plano, TX 75093-3839

                  Steven J. Hilton      6613 North Scottsdale Road, Suite 200
                                        Scottsdale, Arizona 85250

The number of persons to serve on the board of directors thereafter shall be
fixed by the bylaws of the corporation.

         SIXTH: The name and address of the incorporator is Larry W. Seay, 6613
N. Scottsdale Road, Suite 200, Scottsdale, Arizona 85250.

         SEVENTH: The liability of a director or former director to the
corporation or its shareholders shall be eliminated to the fullest extent
permitted by Section 10-202.B.1 of the Arizona Revised Statutes.

         If the Arizona Business Corporation Act is amended to authorize
corporate action further eliminating or limiting the liability of directors, the
liability of a director of the corporation shall be eliminated or limited to the
fullest extent permitted by Arizona Business Corporation Act, as amended.


                                       -1-
         Any repeal or modification of this Article Seventh shall not adversely
affect any right or protection of a director of the corporation existing
hereunder with respect to any act or omission occurring prior to or at the time
of such repeal or modification.

         The provisions of this Article Seventh shall not be deemed to limit or
preclude indemnification of a director by the corporation for any liability of a
director which has not been eliminated by the provisions of this Article
Seventh.

         DATED:   November ____, 2000


                                        ________________________________________
                                        Larry W. Seay, Incorporator


                                       -2-
                                STATE OF ARIZONA
                            ACCEPTANCE OF APPOINTMENT
                               AS STATUTORY AGENT
                                       OF
                        MERITAGE HOMES OF ARIZONA, INC.,
                             AN ARIZONA CORPORATION


To:      Arizona Corporation Commission
         Incorporating Division
         1300 West Washington
         Phoenix, Arizona  85007


         Please be advised that C T Corporation System, a Delaware corporation
doing business in Arizona, and located at 3225 N. Central Avenue, Suite 1601,
Phoenix, Arizona 85012, hereby accepts and acknowledges its appointment as
statutory agent for service of process upon Meritage Homes of Arizona, Inc., an
Arizona corporation, and consents to act in that capacity until removal or
resignation.

         The undersigned hereby certifies that it has been a corporation in good
standing in the State of Arizona for a period in excess of three years.

                  DATED this _____ day of November, 2000.


                                 C T CORPORATION SYSTEM



                                 By
                                   ------------------------------------------

                                 Its
                                    -----------------------------------------