If you have a property in San Diego, and I am sixty two years of age or older, you can be a good candidate for a reverse mortgage. A guide reverse mortgage loan is different from a traditional, in that it need not be repaid until you live in the house. With mortgage reverse, you can use the value, or equity, or your home as a way to get money through various methods of dispersal. These include receiving the money all at once, in a single lump sum payment, regular monthly installments, as a line of credit or a combination of these methods.