Mortgage industry experts know the nature of home finance is set to change, but no one is certain what the new system will look like, how much more costly home buying will become, and how the changes will affect the Federal Home Loan Bank system. Matt Feldman, president and CEO of the Federal Home Loan Bank of Chicago, expects the emergence of mortgage aggregators and guarantors with an explicit government guarantee, that the Federal Home Loan Banks will continue to be a source of liquidity to community banks, and that it will be years before a new housing finance system is finally in place.