According to a newspaper article, economists are predicting that the average interest rate for a 15-year mortgage will decrease from 2.2% to 1.5% during the next year and home prices will rise by 8% during that same period. A family is considering purchasing a $400,000 home. They intend to make a 5% down payment and finance the rest of the cost. What will their monthly payment be if they buy the house now? Assuming the economists are correct, what will their monthly payment be if they buy a comparable house in one year?