The amount a senior citizen will receive from his or her reverse mortgage will depend to a large extent on the appraised value of the home by an independent appraiser who will evaluate the condition of the home. A home with a well maintained garden with flowers will have a higher market value and the home owner can qualify to receive a higher amount monthly from the reverse mortgage. So it is advisable for home owner to have a garden with his or her house, as it will be a relaxing hobby and also increase the market value of the home.