primarypurchaselocated fartheraway fromemployerCurrentprimary lessvaluablethan subjectpropertyConsecutivepaychecknumbersSelf-employedto W-2secondaryresidencewithin ~10miles ofprimaryGenericpaystubsNewemploymentfrom familymember who isalso providing agift2 primarytransactionswithin 3monthsGift donorrelationshipchanges tomeet guidelinerequirementsloanwithdrawnafter proof ofreceipt wasrequestedtenant/vacantappraisal onprimary refiprimary refi,no docs in fileaddressed tosubjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primaryBorrowerreceived araise afterprevious loanwas rejectedEmploymentStart DateJan 1stIncomedeposits onlyafter creditreport dateMultiplegiftstransferredat closinginconsistentformattingon bankstatementsTypo onpaystubsRoundedearningsonpaystubsnet pay doesnot matchpayrolldepositsDeductionsdon't addup onpaystubsleaseagreementsigned byfamilyPreviouslyRejected Loan,NewEmploymentafter Rejectionprimarypurchaselocated fartheraway fromemployerCurrentprimary lessvaluablethan subjectpropertyConsecutivepaychecknumbersSelf-employedto W-2secondaryresidencewithin ~10miles ofprimaryGenericpaystubsNewemploymentfrom familymember who isalso providing agift2 primarytransactionswithin 3monthsGift donorrelationshipchanges tomeet guidelinerequirementsloanwithdrawnafter proof ofreceipt wasrequestedtenant/vacantappraisal onprimary refiprimary refi,no docs in fileaddressed tosubjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primaryBorrowerreceived araise afterprevious loanwas rejectedEmploymentStart DateJan 1stIncomedeposits onlyafter creditreport dateMultiplegiftstransferredat closinginconsistentformattingon bankstatementsTypo onpaystubsRoundedearningsonpaystubsnet pay doesnot matchpayrolldepositsDeductionsdon't addup onpaystubsleaseagreementsigned byfamilyPreviouslyRejected 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. primary purchase located farther away from employer
  2. Current primary less valuable than subject property
  3. Consecutive paycheck numbers
  4. Self-employed to W-2
  5. secondary residence within ~10 miles of primary
  6. Generic paystubs
  7. New employment from family member who is also providing a gift
  8. 2 primary transactions within 3 months
  9. Gift donor relationship changes to meet guideline requirements
  10. loan withdrawn after proof of receipt was requested
  11. tenant/vacant appraisal on primary refi
  12. primary refi, no docs in file addressed to subject property
  13. Rental income needed from subject investment, more valuable than primary
  14. Borrower received a raise after previous loan was rejected
  15. Employment Start Date Jan 1st
  16. Income deposits only after credit report date
  17. Multiple gifts transferred at closing
  18. inconsistent formatting on bank statements
  19. Typo on paystubs
  20. Rounded earnings on paystubs
  21. net pay does not match payroll deposits
  22. Deductions don't add up on paystubs
  23. lease agreement signed by family
  24. Previously Rejected Loan, New Employment after Rejection