Typo onpaystubsPreviouslyRejected Loan,NewEmploymentafter Rejectionsecondaryresidencewithin ~10miles ofprimarytenant/vacantappraisal onprimary refiGenericpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyNewemploymentfrom familymember who isalso providing agiftEmploymentStart DateJan 1stnet pay doesnot matchpayrolldepositsMultiplegiftstransferredat closingSelf-employedto W-2inconsistentformattingon bankstatementsDeductionsdon't addup onpaystubsRoundedearningsonpaystubsleaseagreementsigned byfamily2 primarytransactionswithin 3monthsCurrentprimary lessvaluablethan subjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primaryloanwithdrawnafter proof ofreceipt wasrequestedGift donorrelationshipchanges tomeet guidelinerequirementsBorrowerreceived araise afterprevious loanwas rejectedIncomedeposits onlyafter creditreport dateprimarypurchaselocated fartheraway fromemployerConsecutivepaychecknumbersTypo onpaystubsPreviouslyRejected Loan,NewEmploymentafter Rejectionsecondaryresidencewithin ~10miles ofprimarytenant/vacantappraisal onprimary refiGenericpaystubsprimary refi,no docs in fileaddressed tosubjectpropertyNewemploymentfrom familymember who isalso providing agiftEmploymentStart DateJan 1stnet pay doesnot matchpayrolldepositsMultiplegiftstransferredat closingSelf-employedto W-2inconsistentformattingon bankstatementsDeductionsdon't addup onpaystubsRoundedearningsonpaystubsleaseagreementsigned byfamily2 primarytransactionswithin 3monthsCurrentprimary lessvaluablethan subjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primaryloanwithdrawnafter proof ofreceipt wasrequestedGift donorrelationshipchanges tomeet guidelinerequirementsBorrowerreceived araise afterprevious loanwas rejectedIncomedeposits onlyafter creditreport dateprimarypurchaselocated fartheraway fromemployerConsecutivepaychecknumbers

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