Self-employedto W-2PreviouslyRejected Loan,NewEmploymentafter RejectionIncomedeposits onlyafter creditreport dateprimary refi,no docs in fileaddressed tosubjectpropertytenant/vacantappraisal onprimary refisecondaryresidencewithin ~10miles ofprimaryinconsistentformattingon bankstatementsGift donorrelationshipchanges tomeet guidelinerequirementsMultiplegiftstransferredat closingNewemploymentfrom familymember who isalso providing agiftBorrowerreceived araise afterprevious loanwas rejectedConsecutivepaychecknumbersnet pay doesnot matchpayrolldepositsTypo onpaystubsprimarypurchaselocated fartheraway fromemployerGenericpaystubsRoundedearningsonpaystubsDeductionsdon't addup onpaystubsRental incomeneeded fromsubjectinvestment,more valuablethan primaryloanwithdrawnafter proof ofreceipt wasrequestedEmploymentStart DateJan 1st2 primarytransactionswithin 3monthsCurrentprimary lessvaluablethan subjectpropertyleaseagreementsigned byfamilySelf-employedto W-2PreviouslyRejected Loan,NewEmploymentafter RejectionIncomedeposits onlyafter creditreport dateprimary refi,no docs in fileaddressed tosubjectpropertytenant/vacantappraisal onprimary refisecondaryresidencewithin ~10miles ofprimaryinconsistentformattingon bankstatementsGift donorrelationshipchanges tomeet guidelinerequirementsMultiplegiftstransferredat closingNewemploymentfrom familymember who isalso providing agiftBorrowerreceived araise afterprevious loanwas rejectedConsecutivepaychecknumbersnet pay doesnot matchpayrolldepositsTypo onpaystubsprimarypurchaselocated fartheraway fromemployerGenericpaystubsRoundedearningsonpaystubsDeductionsdon't addup onpaystubsRental incomeneeded fromsubjectinvestment,more valuablethan primaryloanwithdrawnafter proof ofreceipt wasrequestedEmploymentStart DateJan 1st2 primarytransactionswithin 3monthsCurrentprimary lessvaluablethan subjectpropertyleaseagreementsigned byfamily

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