Genericpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyDeductionsdon't addup onpaystubstenant/vacantappraisal onprimary refinet pay doesnot matchpayrolldepositsEmploymentStart DateJan 1stTypo onpaystubsCurrentprimary lessvaluablethan subjectproperty2 primarytransactionswithin 3monthssecondaryresidencewithin ~10miles ofprimaryMultiplegiftstransferredat closingRental incomeneeded fromsubjectinvestment,more valuablethan primaryleaseagreementsigned byfamilySelf-employedto W-2Incomedeposits onlyafter creditreport dateRoundedearningsonpaystubsprimarypurchaselocated fartheraway fromemployerPreviouslyRejected Loan,NewEmploymentafter RejectionConsecutivepaychecknumbersGift donorrelationshipchanges tomeet guidelinerequirementsBorrowerreceived araise afterprevious loanwas rejectedinconsistentformattingon bankstatementsNewemploymentfrom familymember who isalso providing agiftloanwithdrawnafter proof ofreceipt wasrequestedGenericpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyDeductionsdon't addup onpaystubstenant/vacantappraisal onprimary refinet pay doesnot matchpayrolldepositsEmploymentStart DateJan 1stTypo onpaystubsCurrentprimary lessvaluablethan subjectproperty2 primarytransactionswithin 3monthssecondaryresidencewithin ~10miles ofprimaryMultiplegiftstransferredat closingRental incomeneeded fromsubjectinvestment,more valuablethan primaryleaseagreementsigned byfamilySelf-employedto W-2Incomedeposits onlyafter creditreport dateRoundedearningsonpaystubsprimarypurchaselocated fartheraway fromemployerPreviouslyRejected Loan,NewEmploymentafter RejectionConsecutivepaychecknumbersGift donorrelationshipchanges tomeet guidelinerequirementsBorrowerreceived araise afterprevious loanwas rejectedinconsistentformattingon bankstatementsNewemploymentfrom familymember who isalso providing agiftloanwithdrawnafter proof ofreceipt wasrequested

Red Flag Bingo! - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. Generic paystubs
  2. primary refi, no docs in file addressed to subject property
  3. Deductions don't add up on paystubs
  4. tenant/vacant appraisal on primary refi
  5. net pay does not match payroll deposits
  6. Employment Start Date Jan 1st
  7. Typo on paystubs
  8. Current primary less valuable than subject property
  9. 2 primary transactions within 3 months
  10. secondary residence within ~10 miles of primary
  11. Multiple gifts transferred at closing
  12. Rental income needed from subject investment, more valuable than primary
  13. lease agreement signed by family
  14. Self-employed to W-2
  15. Income deposits only after credit report date
  16. Rounded earnings on paystubs
  17. primary purchase located farther away from employer
  18. Previously Rejected Loan, New Employment after Rejection
  19. Consecutive paycheck numbers
  20. Gift donor relationship changes to meet guideline requirements
  21. Borrower received a raise after previous loan was rejected
  22. inconsistent formatting on bank statements
  23. New employment from family member who is also providing a gift
  24. loan withdrawn after proof of receipt was requested