If you have a home and are looking to get a lot of money fast, a reverse mortgage might be worth getting. This is where your property is used as security for the loan. To know how to get one in a regret-free way, take these steps. Establish Just Reasons You don't want to have second thoughts about a reverse mortgage after the ink has dried and you're approved. Rather, you want to know that this financial option is best for your situation so that you're not locked into something you can't easily get out of.