inconsistentformattingon bankstatementsCurrentprimary lessvaluablethan subjectpropertyGift donorrelationshipchanges tomeet guidelinerequirementsMultiplegiftstransferredat closingRental incomeneeded fromsubjectinvestment,more valuablethan primarynet pay doesnot matchpayrolldepositsGenericpaystubsSelf-employedto W-2secondaryresidencewithin ~10miles ofprimaryConsecutivepaychecknumbersRoundedearningsonpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyleaseagreementsigned byfamilyDeductionsdon't addup onpaystubsBorrowerreceived araise afterprevious loanwas rejectedEmploymentStart DateJan 1sttenant/vacantappraisal onprimary refiTypo onpaystubsIncomedeposits onlyafter creditreport dateNewemploymentfrom familymember who isalso providing agiftprimarypurchaselocated fartheraway fromemployerPreviouslyRejected Loan,NewEmploymentafter Rejection2 primarytransactionswithin 3monthsloanwithdrawnafter proof ofreceipt wasrequestedinconsistentformattingon bankstatementsCurrentprimary lessvaluablethan subjectpropertyGift donorrelationshipchanges tomeet guidelinerequirementsMultiplegiftstransferredat closingRental incomeneeded fromsubjectinvestment,more valuablethan primarynet pay doesnot matchpayrolldepositsGenericpaystubsSelf-employedto W-2secondaryresidencewithin ~10miles ofprimaryConsecutivepaychecknumbersRoundedearningsonpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyleaseagreementsigned byfamilyDeductionsdon't addup onpaystubsBorrowerreceived araise afterprevious loanwas rejectedEmploymentStart DateJan 1sttenant/vacantappraisal onprimary refiTypo onpaystubsIncomedeposits onlyafter creditreport dateNewemploymentfrom familymember who isalso providing agiftprimarypurchaselocated fartheraway fromemployerPreviouslyRejected Loan,NewEmploymentafter Rejection2 primarytransactionswithin 3monthsloanwithdrawnafter 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. inconsistent formatting on bank statements
  2. Current primary less valuable than subject property
  3. Gift donor relationship changes to meet guideline requirements
  4. Multiple gifts transferred at closing
  5. Rental income needed from subject investment, more valuable than primary
  6. net pay does not match payroll deposits
  7. Generic paystubs
  8. Self-employed to W-2
  9. secondary residence within ~10 miles of primary
  10. Consecutive paycheck numbers
  11. Rounded earnings on paystubs
  12. primary refi, no docs in file addressed to subject property
  13. lease agreement signed by family
  14. Deductions don't add up on paystubs
  15. Borrower received a raise after previous loan was rejected
  16. Employment Start Date Jan 1st
  17. tenant/vacant appraisal on primary refi
  18. Typo on paystubs
  19. Income deposits only after credit report date
  20. New employment from family member who is also providing a gift
  21. primary purchase located farther away from employer
  22. Previously Rejected Loan, New Employment after Rejection
  23. 2 primary transactions within 3 months
  24. loan withdrawn after proof of receipt was requested