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