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