Newemploymentfrom familymember who isalso providing agiftEmploymentStart DateJan 1stSelf-employedto W-2Incomedeposits onlyafter creditreport dateinconsistentformattingon bankstatementsGift donorrelationshipchanges tomeet guidelinerequirementsConsecutivepaychecknumbersCurrentprimary lessvaluablethan subjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primary2 primarytransactionswithin 3monthssecondaryresidencewithin ~10miles ofprimaryRoundedearningsonpaystubsTypo onpaystubsloanwithdrawnafter proof ofreceipt wasrequestedBorrowerreceived araise afterprevious loanwas rejectedleaseagreementsigned byfamilyPreviouslyRejected Loan,NewEmploymentafter Rejectionnet pay doesnot matchpayrolldepositsGenericpaystubsMultiplegiftstransferredat closingDeductionsdon't addup onpaystubsprimarypurchaselocated fartheraway fromemployerprimary refi,no docs in fileaddressed tosubjectpropertytenant/vacantappraisal onprimary refiNewemploymentfrom familymember who isalso providing agiftEmploymentStart DateJan 1stSelf-employedto W-2Incomedeposits onlyafter creditreport dateinconsistentformattingon bankstatementsGift donorrelationshipchanges tomeet guidelinerequirementsConsecutivepaychecknumbersCurrentprimary lessvaluablethan subjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primary2 primarytransactionswithin 3monthssecondaryresidencewithin ~10miles ofprimaryRoundedearningsonpaystubsTypo onpaystubsloanwithdrawnafter proof ofreceipt wasrequestedBorrowerreceived araise afterprevious loanwas rejectedleaseagreementsigned byfamilyPreviouslyRejected Loan,NewEmploymentafter Rejectionnet pay doesnot matchpayrolldepositsGenericpaystubsMultiplegiftstransferredat closingDeductionsdon't addup onpaystubsprimarypurchaselocated fartheraway fromemployerprimary refi,no docs in fileaddressed tosubjectpropertytenant/vacantappraisal onprimary refi

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