Rental incomeneeded fromsubjectinvestment,more valuablethan primarysecondaryresidencewithin ~10miles ofprimaryprimary refi,no docs in fileaddressed tosubjectpropertyprimarypurchaselocated fartheraway fromemployer2 primarytransactionswithin 3monthsGift donorrelationshipchanges tomeet guidelinerequirementsinconsistentformattingon bankstatementsGenericpaystubsEmploymentStart DateJan 1stNewemploymentfrom familymember who isalso providing agifttenant/vacantappraisal onprimary refiBorrowerreceived araise afterprevious loanwas rejectedPreviouslyRejected Loan,NewEmploymentafter Rejectionnet pay doesnot matchpayrolldepositsSelf-employedto W-2leaseagreementsigned byfamilyRoundedearningsonpaystubsMultiplegiftstransferredat closingDeductionsdon't addup onpaystubsCurrentprimary lessvaluablethan subjectpropertyIncomedeposits onlyafter creditreport dateConsecutivepaychecknumbersTypo onpaystubsloanwithdrawnafter proof ofreceipt wasrequestedRental incomeneeded fromsubjectinvestment,more valuablethan primarysecondaryresidencewithin ~10miles ofprimaryprimary refi,no docs in fileaddressed tosubjectpropertyprimarypurchaselocated fartheraway fromemployer2 primarytransactionswithin 3monthsGift donorrelationshipchanges tomeet guidelinerequirementsinconsistentformattingon bankstatementsGenericpaystubsEmploymentStart DateJan 1stNewemploymentfrom familymember who isalso providing agifttenant/vacantappraisal onprimary refiBorrowerreceived araise afterprevious loanwas rejectedPreviouslyRejected Loan,NewEmploymentafter Rejectionnet pay doesnot matchpayrolldepositsSelf-employedto W-2leaseagreementsigned byfamilyRoundedearningsonpaystubsMultiplegiftstransferredat closingDeductionsdon't addup onpaystubsCurrentprimary lessvaluablethan subjectpropertyIncomedeposits onlyafter creditreport dateConsecutivepaychecknumbersTypo onpaystubsloanwithdrawnafter 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. Rental income needed from subject investment, more valuable than primary
  2. secondary residence within ~10 miles of primary
  3. primary refi, no docs in file addressed to subject property
  4. primary purchase located farther away from employer
  5. 2 primary transactions within 3 months
  6. Gift donor relationship changes to meet guideline requirements
  7. inconsistent formatting on bank statements
  8. Generic paystubs
  9. Employment Start Date Jan 1st
  10. New employment from family member who is also providing a gift
  11. tenant/vacant appraisal on primary refi
  12. Borrower received a raise after previous loan was rejected
  13. Previously Rejected Loan, New Employment after Rejection
  14. net pay does not match payroll deposits
  15. Self-employed to W-2
  16. lease agreement signed by family
  17. Rounded earnings on paystubs
  18. Multiple gifts transferred at closing
  19. Deductions don't add up on paystubs
  20. Current primary less valuable than subject property
  21. Income deposits only after credit report date
  22. Consecutive paycheck numbers
  23. Typo on paystubs
  24. loan withdrawn after proof of receipt was requested