Which of the following types of loans is not typically available for purchasing manufactured homes?

Personal loans are typically not used for purchasing manufactured homes because they are unsecured loans that generally do not come with the same favorable terms or options available through government-backed mortgage loans like FHA, VA, or USDA loans. These types of loans are specifically designed for real estate and can provide the necessary framework for financing manufactured homes, which may require a higher level of assurance for lenders regarding the property's value and the borrower's ability to repay.

FHA loans are available for manufactured homes that are considered real property, allowing buyers to leverage a government-insured loan with lower down payments and flexible credit requirements. VA loans can also be used for purchasing manufactured homes, provided that they meet certain standards, and offer military veterans favorable borrowing terms without the need for a down payment. USDA loans, aimed at rural homebuyers, can also be utilized for manufactured homes that meet specific criteria related to location and safety.

In contrast, personal loans lack the same structure and security that these mortgage options provide, making them a less favorable choice for such transactions.