my Arbor home is 'ok'. financing was a ripoff....Down Payment Assistance money was added back into the price of my home, so it was more like 'no money down' instead of them assisting me. no the HOA that I agreed to is being disolved because Arbor made an error in the original deeds and gave sole ownership to our HOA that was sharing the pool area with another Arbor community. that community refused to pay its share of expenses, so our HOA banned them from using the pool. Arbor took our HOA to court and lost. they appealed and now they are allowed to go back in time, rewrite our covenant and assign a master HOA over both community HOA's. NOT what I agreed to. emails I've sent to Arbor go unanswered. I WILL NEVER RECOMMEND AN ARBOR HOME....NEVER!