So why are mortgage rates moving higher already? It's because markets tend to anticipate events. In this case, mortgage lenders don't want to get stuck with sub-standard mortgage rates for 30 years, so they have already started to protect themselves by raising rates.
In other words, mortgage rates are getting a jump on a possible change in monetary policy by starting to anticipate the impact of that change. If you've been considering buying a house or refinancing, you might take a cue from the market and anticipate that rates could move much higher over the next year.