EmploymentStart DateJan 1stConsecutivepaychecknumbersRoundedearningsonpaystubsBorrowerreceived araise afterprevious loanwas rejectednet pay doesnot matchpayrolldepositsIncomedeposits onlyafter creditreport dateRental incomeneeded fromsubjectinvestment,more valuablethan primaryMultiplegiftstransferredat closingGift donorrelationshipchanges tomeet guidelinerequirementsinconsistentformattingon bankstatementsPreviouslyRejected Loan,NewEmploymentafter Rejectionprimary refi,no docs in fileaddressed tosubjectpropertyloanwithdrawnafter proof ofreceipt wasrequestedprimarypurchaselocated fartheraway fromemployerDeductionsdon't addup onpaystubsCurrentprimary lessvaluablethan subjectpropertySelf-employedto W-2Typo onpaystubsGenericpaystubsleaseagreementsigned byfamilyNewemploymentfrom familymember who isalso providing agift2 primarytransactionswithin 3monthssecondaryresidencewithin ~10miles ofprimarytenant/vacantappraisal onprimary refiEmploymentStart DateJan 1stConsecutivepaychecknumbersRoundedearningsonpaystubsBorrowerreceived araise afterprevious loanwas rejectednet pay doesnot matchpayrolldepositsIncomedeposits onlyafter creditreport dateRental incomeneeded fromsubjectinvestment,more valuablethan primaryMultiplegiftstransferredat closingGift donorrelationshipchanges tomeet guidelinerequirementsinconsistentformattingon bankstatementsPreviouslyRejected Loan,NewEmploymentafter Rejectionprimary refi,no docs in fileaddressed tosubjectpropertyloanwithdrawnafter proof ofreceipt wasrequestedprimarypurchaselocated fartheraway fromemployerDeductionsdon't addup onpaystubsCurrentprimary lessvaluablethan subjectpropertySelf-employedto W-2Typo onpaystubsGenericpaystubsleaseagreementsigned byfamilyNewemploymentfrom familymember who isalso providing agift2 primarytransactionswithin 3monthssecondaryresidencewithin ~10miles ofprimarytenant/vacantappraisal onprimary refi

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