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No, mulch itself does not necessarily attract termites even though it’s usually made of shredded wood. Some types of mulch like cedar or cypress resist termites because they’re toxic or unappetizing to the wood munchers. However, when the mulch is deep enough, say three inches or more, it creates a perfect habitat for insects of all kinds to build nests.

Seeing a rat or two isn’t uncommon, especially in mild climates. That doesn’t mean they are actively a danger to your home. The problem is when you start seeing rats regularly in your yard, there’s a good chance they are also looking for ways to get into your house or other buildings. All they need is a small hole or gap, and they have a new place to nest -- which is bad news for you. Stay cautious if you start seeing rats in your yard all the time. 

You can use commercial repellents to help deter rodents, but they often have mixed results. A better solution is preventing rodents from getting under your home in the first place. Using steel wool or foam sealer, plug all potential entry points like gaps and cracks in the foundation. 

Also, consider installing hardware cloth or wire mesh over vents, utility openings, and any openings under the porch or foundation. Regular inspections and maintenance will aid in early detection and prevention, ensuring a rodent-free environment beneath your house.

DIY animal removal is rarely a good idea and is not advised for many reasons. First, these types of animals can carry diseases and, therefore, pose a health risk to you, your family, and your pets if mishandled. Second, depending on your city or municipality, it may be illegal to remove or handle wildlife yourself. 

Sealing your home against these animals yourself is also a bad idea. Trapping an animal under your house will cause odor and insect problems when it passes away.