EXHIBIT 99.3

                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
      AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Current Report of Meritage Corporation (the
"Company") on Form 8-K/A No. 2 dated July 12, 2002, as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Larry W. Seay,
Chief Financial Officer of the Company certify, to the best of my knowledge
that, that:

     (1)  The Report fully complies with the requirements of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     (2)  The information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Company.

                                   MERITAGE CORPORATION
                                   a Maryland Corporation

                                   By /s/ LARRY W. SEAY
                                      ------------------------
                                      Larry W. Seay
                                      CHIEF FINANCIAL OFFICER


                                   June 12, 2003
                                   ---------------------------
                                   Date