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