EXHIBIT 3.21

                            ARTICLES OF INCORPORATION
                                       OF
                          HANCOCK-MTH COMMUNITIES, INC.


                  1. The name of the corporation is Hancock-MTH Communities,
Inc.

                  2. The purpose for which the corporation is organized is the
transaction of any or 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 marketing of residential real
property.

                  3. The aggregate number of shares that the corporation shall
have authority to issue is one thousand (1,000) common shares, all of which
shares shall be of a single class.

                  4. The name and street address in Arizona of the initial
statutory agent of the corporation is CT Corporation System, Inc., 3225 N
Central Ave, Phoenix, AZ 85012.

                  5. 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 Steve Hilton, 6613 N
Scottsdale Rd, Scottsdale, AZ 85252 and John Landon, 6613 N Scottsdale Rd,
Scottsdale, AZ 85252. The number of persons to serve on the board of directors
thereafter shall be fixed by the bylaws of the corporation.

                  6. The name and address of the incorporator is Larry Seay,
6613 N Scottsdale Rd, Scottsdale, AZ 85252.

                  7. 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 the Arizona Business Corporation Act,
as amended.

                  Any repeal or modification of this Article 7 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 7 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 7.

                  8. The corporation shall indemnify any and all of its existing
and former directors and officers to the fullest extent permitted by Section
10-202.B.2 of the Arizona Business
Corporation Act. If the Arizona Business Corporation Act is amended to authorize
corporate action broadening the corporation's ability to indemnify its directors
and officers, the corporation shall indemnify its existing and former directors
and officers to the fullest extent permitted by the Arizona Business Corporation
Act, as amended. Any repeal or modification of this Article 8 shall not
adversely affect any right or protection of any existing or former director or
officer of the corporation existing hereunder with respect to any act or
omission occurring prior to or at the time of such repeal or modification.

                  DATED:  May 7, 2001



                                             /s/ Larry Seay
                                          --------------------------------------
                                          Larry Seay
                                          Incorporator







                                     - 2 -