EmploymentStart DateJan 1st2 primarytransactionswithin 3monthsSelf-employedto W-2ConsecutivepaychecknumbersBorrowerreceived araise afterprevious loanwas rejectedGenericpaystubssecondaryresidencewithin ~10miles ofprimaryprimary refi,no docs in fileaddressed tosubjectpropertyTypo onpaystubsprimarypurchaselocated fartheraway fromemployertenant/vacantappraisal onprimary refiRoundedearningsonpaystubsMultiplegiftstransferredat closingloanwithdrawnafter proof ofreceipt wasrequestedIncomedeposits onlyafter creditreport dateleaseagreementsigned byfamilynet pay doesnot matchpayrolldepositsGift donorrelationshipchanges tomeet guidelinerequirementsRental incomeneeded fromsubjectinvestment,more valuablethan primaryNewemploymentfrom familymember who isalso providing agiftCurrentprimary lessvaluablethan subjectpropertyDeductionsdon't addup onpaystubsinconsistentformattingon bankstatementsPreviouslyRejected Loan,NewEmploymentafter RejectionEmploymentStart DateJan 1st2 primarytransactionswithin 3monthsSelf-employedto W-2ConsecutivepaychecknumbersBorrowerreceived araise afterprevious loanwas rejectedGenericpaystubssecondaryresidencewithin ~10miles ofprimaryprimary refi,no docs in fileaddressed tosubjectpropertyTypo onpaystubsprimarypurchaselocated fartheraway fromemployertenant/vacantappraisal onprimary refiRoundedearningsonpaystubsMultiplegiftstransferredat closingloanwithdrawnafter proof ofreceipt wasrequestedIncomedeposits onlyafter creditreport dateleaseagreementsigned byfamilynet pay doesnot matchpayrolldepositsGift donorrelationshipchanges tomeet guidelinerequirementsRental incomeneeded fromsubjectinvestment,more valuablethan primaryNewemploymentfrom familymember who isalso providing agiftCurrentprimary lessvaluablethan subjectpropertyDeductionsdon't addup onpaystubsinconsistentformattingon bankstatementsPreviouslyRejected Loan,NewEmploymentafter Rejection

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 loan withdrawn after proof of receipt was requested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