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<!-- Created: Fri Jun 07 16:06:08 UTC 2013 -->
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        <link:definition>006 - Disclosure - Supplemental Disclosure of Noncash Activities</link:definition>
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        <link:definition>007 - Disclosure - Note 1</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>008 - Disclosure - Note 2</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note000" id="hov_Note000">
        <link:definition>009 - Disclosure - Note 3</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note0000" id="hov_Note0000">
        <link:definition>010 - Disclosure - Note 4</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note00000" id="hov_Note00000">
        <link:definition>011 - Disclosure - Note 5</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note000000" id="hov_Note000000">
        <link:definition>012 - Disclosure - Note 6</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note0000000" id="hov_Note0000000">
        <link:definition>013 - Disclosure - Note 7</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note00000000" id="hov_Note00000000">
        <link:definition>014 - Disclosure - Note 8</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note000000000" id="hov_Note000000000">
        <link:definition>015 - Disclosure - Note 9</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note0000000000" id="hov_Note0000000000">
        <link:definition>016 - Disclosure - Note 10</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note00000000000" id="hov_Note00000000000">
        <link:definition>017 - Disclosure - Note 11</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/Note000000000000" id="hov_Note000000000000">
        <link:definition>018 - Disclosure - Note 12</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note0000000000000" id="hov_Note0000000000000">
        <link:definition>019 - Disclosure - Note 13</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note00000000000000" id="hov_Note00000000000000">
        <link:definition>020 - Disclosure - Note 14</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note000000000000000" id="hov_Note000000000000000">
        <link:definition>021 - Disclosure - Note 15</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note0000000000000000" id="hov_Note0000000000000000">
        <link:definition>022 - Disclosure - Note 16</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note00000000000000000" id="hov_Note00000000000000000">
        <link:definition>023 - Disclosure - Note 17</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note000000000000000000" id="hov_Note000000000000000000">
        <link:definition>024 - Disclosure - Note 18</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note0000000000000000000" id="hov_Note0000000000000000000">
        <link:definition>025 - Disclosure - Note 19</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note00000000000000000000" id="hov_Note00000000000000000000">
        <link:definition>026 - Disclosure - Note 20</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note000000000000000000000" id="hov_Note000000000000000000000">
        <link:definition>027 - Disclosure - Note 21</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note0000000000000000000000" id="hov_Note0000000000000000000000">
        <link:definition>028 - Disclosure - Note 22</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/Note00000000000000000000000" id="hov_Note00000000000000000000000">
        <link:definition>029 - Disclosure - Note 23</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/NoteTables" id="hov_NoteTables">
        <link:definition>030 - Disclosure - Note 3 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/NoteTables0" id="hov_NoteTables0">
        <link:definition>031 - Disclosure - Note 5 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/NoteTables00" id="hov_NoteTables00">
        <link:definition>032 - Disclosure - Note 6 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/NoteTables000" id="hov_NoteTables000">
        <link:definition>033 - Disclosure - Note 9 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/NoteTables0000" id="hov_NoteTables0000">
        <link:definition>034 - Disclosure - Note 14 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteTables00000" id="hov_NoteTables00000">
        <link:definition>035 - Disclosure - Note 18 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteTables000000" id="hov_NoteTables000000">
        <link:definition>036 - Disclosure - Note 20 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteTables0000000" id="hov_NoteTables0000000">
        <link:definition>037 - Disclosure - Note 22 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteTables00000000" id="hov_NoteTables00000000">
        <link:definition>038 - Disclosure - Note 23 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail" id="hov_NoteDetail">
        <link:definition>039 - Disclosure - Supplemental Disclosure of Noncash Activities (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail0" id="hov_NoteDetail0">
        <link:definition>040 - Disclosure - Note 1 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail00" id="hov_NoteDetail00">
        <link:definition>041 - Disclosure - Note 2 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/InterestCostsIncurredExpensedandCapitalizedTable" id="hov_InterestCostsIncurredExpensedandCapitalizedTable">
        <link:definition>042 - Disclosure - Note 3 (Detail) - Interest Costs Incurred, Expensed and Capitalized</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/CashPaidforInterestNetofCapitalizedInterestTable" id="hov_CashPaidforInterestNetofCapitalizedInterestTable">
        <link:definition>043 - Disclosure - Note 3 (Detail) - Cash Paid for Interest, Net of Capitalized Interest</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail000" id="hov_NoteDetail000">
        <link:definition>044 - Disclosure - Note 4 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail0000" id="hov_NoteDetail0000">
        <link:definition>045 - Disclosure - Note 5 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/InventoryImpairmentsbyHomebuildingSegmentTable" id="hov_InventoryImpairmentsbyHomebuildingSegmentTable">
        <link:definition>046 - Disclosure - Note 5 (Detail) - Inventory Impairments by Homebuilding Segment</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/WriteOffsandLotsWalkedAwayFromTable" id="hov_WriteOffsandLotsWalkedAwayFromTable">
        <link:definition>047 - Disclosure - Note 5 (Detail) - Write-Offs and Lots Walked Away From</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail00000" id="hov_NoteDetail00000">
        <link:definition>048 - Disclosure - Note 6 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/WarrantyReserveandGeneralLiabilityReserveTable" id="hov_WarrantyReserveandGeneralLiabilityReserveTable">
        <link:definition>049 - Disclosure - Note 6 (Detail) - Warranty Reserve and General Liability Reserve</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail000000" id="hov_NoteDetail000000">
        <link:definition>050 - Disclosure - Note 7 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail0000000" id="hov_NoteDetail0000000">
        <link:definition>051 - Disclosure - Note 8 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail00000000" id="hov_NoteDetail00000000">
        <link:definition>052 - Disclosure - Note 9 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/LoanOriginationReservesTable" id="hov_LoanOriginationReservesTable">
        <link:definition>053 - Disclosure - Note 9 (Detail) - Loan Origination Reserves</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail000000000" id="hov_NoteDetail000000000">
        <link:definition>054 - Disclosure - Note 10 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail0000000000" id="hov_NoteDetail0000000000">
        <link:definition>055 - Disclosure - Note 11 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail00000000000" id="hov_NoteDetail00000000000">
        <link:definition>056 - Disclosure - Note 12 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail000000000000" id="hov_NoteDetail000000000000">
        <link:definition>057 - Disclosure - Note 13 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.khov.com/role/NoteDetail0000000000000" id="hov_NoteDetail0000000000000">
        <link:definition>058 - Disclosure - Note 14 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/EarningsperShareCalculationTable" id="hov_EarningsperShareCalculationTable">
        <link:definition>059 - Disclosure - Note 14 (Detail) - Earnings per Share Calculation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://www.khov.com/role/NoteDetail00000000000000" id="hov_NoteDetail00000000000000">
        <link:definition>060 - Disclosure - Note 15 (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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</xs:schema>
