ConsecutivepaychecknumbersEmploymentStart DateJan 1stprimarypurchaselocated fartheraway fromemployer2 primarytransactionswithin 3monthsTypo onpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyGenericpaystubsRoundedearningsonpaystubsBorrowerreceived araise afterprevious loanwas rejectedsecondaryresidencewithin ~10miles ofprimaryGift donorrelationshipchanges tomeet guidelinerequirementsDeductionsdon't addup onpaystubsCurrentprimary lessvaluablethan subjectpropertyIncomedeposits onlyafter creditreport dateleaseagreementsigned byfamilyRental incomeneeded fromsubjectinvestment,more valuablethan primarytenant/vacantappraisal onprimary refiSelf-employedto W-2Multiplegiftstransferredat closingPreviouslyRejected Loan,NewEmploymentafter Rejectioninconsistentformattingon bankstatementsloanwithdrawnafter proof ofreceipt wasrequestednet pay doesnot matchpayrolldepositsNewemploymentfrom familymember who isalso providing agiftConsecutivepaychecknumbersEmploymentStart DateJan 1stprimarypurchaselocated fartheraway fromemployer2 primarytransactionswithin 3monthsTypo onpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyGenericpaystubsRoundedearningsonpaystubsBorrowerreceived araise afterprevious loanwas rejectedsecondaryresidencewithin ~10miles ofprimaryGift donorrelationshipchanges tomeet guidelinerequirementsDeductionsdon't addup onpaystubsCurrentprimary lessvaluablethan subjectpropertyIncomedeposits onlyafter creditreport dateleaseagreementsigned byfamilyRental incomeneeded fromsubjectinvestment,more valuablethan primarytenant/vacantappraisal onprimary refiSelf-employedto W-2Multiplegiftstransferredat closingPreviouslyRejected Loan,NewEmploymentafter Rejectioninconsistentformattingon bankstatementsloanwithdrawnafter proof ofreceipt wasrequestednet pay doesnot matchpayrolldepositsNewemploymentfrom familymember who isalso providing agift

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