Non-judicial foreclosure is an unconstitutional taking that violates due process and property rights by letting private actors seize homes without proving a debt is owed. Banks are often paid twice — or more — through insurance and investor payouts before they foreclose, yet still commit property theft with no courtroom oversight. At the same time, the note and deed are frequently split, destroying any lawful right to enforce foreclosure but ignored in practice. This article exposes how millions lose their homes through a non-judicial system engineered to bypass Constitutional protections and strip homeowners of their rights.