tenant/vacantappraisal onprimary refiDeductionsdon't addup onpaystubsGift donorrelationshipchanges tomeet guidelinerequirementsprimary refi,no docs in fileaddressed tosubjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primarySelf-employedto W-2leaseagreementsigned byfamilyTypo onpaystubsConsecutivepaychecknumbersCurrentprimary lessvaluablethan subjectpropertyNewemploymentfrom familymember who isalso providing agiftIncomedeposits onlyafter creditreport datePreviouslyRejected Loan,NewEmploymentafter RejectionRoundedearningsonpaystubsloanwithdrawnafter proof ofreceipt wasrequestedEmploymentStart DateJan 1stnet pay doesnot matchpayrolldepositsprimarypurchaselocated fartheraway fromemployersecondaryresidencewithin ~10miles ofprimaryBorrowerreceived araise afterprevious loanwas rejected2 primarytransactionswithin 3monthsGenericpaystubsinconsistentformattingon bankstatementsMultiplegiftstransferredat closingtenant/vacantappraisal onprimary refiDeductionsdon't addup onpaystubsGift donorrelationshipchanges tomeet guidelinerequirementsprimary refi,no docs in fileaddressed tosubjectpropertyRental incomeneeded fromsubjectinvestment,more valuablethan primarySelf-employedto W-2leaseagreementsigned byfamilyTypo onpaystubsConsecutivepaychecknumbersCurrentprimary lessvaluablethan subjectpropertyNewemploymentfrom familymember who isalso providing agiftIncomedeposits onlyafter creditreport datePreviouslyRejected Loan,NewEmploymentafter RejectionRoundedearningsonpaystubsloanwithdrawnafter proof ofreceipt wasrequestedEmploymentStart DateJan 1stnet pay doesnot matchpayrolldepositsprimarypurchaselocated fartheraway fromemployersecondaryresidencewithin ~10miles ofprimaryBorrowerreceived araise afterprevious loanwas rejected2 primarytransactionswithin 3monthsGenericpaystubsinconsistentformattingon bankstatementsMultiplegiftstransferredat closing

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