There are many private groups/associations around that have formal documents in place. They are not necessary but some people feel they help avoid liability concerns. Be warned though that these formalized arrangements can get complicated and take you down paths you don't want to travel.
As previously mentioned, it is often easier to use a local bank that uses common sense and understands local practices. Banks get nervous because they are afraid that non-payment of an association fee can be liened and interfere with their mortage position. Some lenders are too inflexible and don't want to understand how private roads are maintained.
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