West Virginia Public Broadcasting recorded two voices from the manufactured housing industry in West Virginia.  A 23-year veteran in the business, and now the general manager of Freedom Homes in Raleigh County, Rocky Mills says several of his competitors have gone out of business because of the rough economy.  He says last year the state had the highest rate of home ownership in the country and it’s due to the affordability of manufactured housing.  Most of his customers are young couples starting out and seniors looking to downsize.  Andy Gallagher, Executive Director of the West Virginia Housing Institute (WVHI), says the Dodd-Frank Act (Dodd-Frank) requiring a community owner to have a mortgage license is excessive and will add expense to the consumer.  However, he’s certain the industry will adapt, because manufactured housing makes home ownership very affordable.  He says manufactured home sales increased by 33 percent from March to April of this year.