DEREK MONTGOMERY/Herald photoMINNEAPOLIS, Minn. — A week’s worth of preparation and reflection didn’t help the Wisconsin Badgers’ defense Saturday with the win against the Golden Gophers. Just seven days removed from a contest that saw the UW defense give up a record number of total yards, the defense almost set another record: most rushing yards allowed in school history.For the second consecutive week, and third time this year, the Wisconsin defense allowed their opponent to post more than 30 points in a game. But unlike UW’s previous two opponents that posted upwards of 30, Northwestern and Bowling Green, Minnesota is not a team anyone would classify as a high-octane offense.In fact, Minnesota’s crawl ball is the antithesis of the offenses run by the Wildcats and Falcons. But that didn’t stop the Gophers from putting up huge numbers, and for the second consecutive week, it was an opposing team’s tailback that created most of the damage.Minnesota’s star tailback, Laurence Maroney looked nearly unstoppable in the game, running, juking and plowing his way to an impressive 258 yards on the ground. The Gophers’ running game was so dominant that Maroney passed the century mark before halftime, and his backup, Gary Russell, finished the game with 139 yards on 19 carries.”Maroney’s one of the best backs in the country,” defensive tackle Mike Newkirk said. “We knew that coming in and we had to prepare for him. But we were going after him whether he was the best or the worst, it doesn’t really matter. We knew we had to try and contain him.”All told, the Badgers gave up 411 yards on the ground on the day, just 41 yards shy of the most yards allowed by a Wisconsin defense. UW’s run-stuffing ability was a far cry from the defense that was allowing less than a 100 yards per game on the ground prior to their loss to Northwestern.”As a defensive line we preach that everything is on us,” Newkirk said. “There might be issues in the secondary, there might be issues at linebacker but that doesn’t matter to us. As far as the yardage that the other guy is getting we take that all on ourselves.”So what has changed in the last two weeks that have transformed this team from a veritable wall against the run, to the porous product fans saw Saturday? To a man, the Badger defense will tell you the biggest culprit is one thing — tackling.”Our tackling wasn’t good today, that’s definitely our biggest problem right now,” free safety Roderick Rogers admitted.The Badgers missed tackles throughout the day, allowing the Gophers to get second chances on their running plays and rack up the yards after catch in the passing game. Perhaps one of the most telling statistics is the number of yards Gopher rushers lost Saturday.Despite running the ball 63 times in the contest, Wisconsin’s defense was unable to stop the Gophers at the point of attack and Minnesota’s backs only lost a grand total of four yards on the game.Injuries were also a factor for the Badgers, who spent much of the second half with a makeshift defensive line. A unit that could ill-afford to lose more bodies got even thinner throughout the game as defensive end Joe Monty and defensive tackle Jason Chapman both left the game due to injuries forcing defensive coordinator Bret Bielema to rely heavily on Matt Schaunessy, Kurt Ware, who was also nicked up during the game, and Nick Hayden while rotating in various players throughout the game.”We were thin coming in and we lost a couple more, so there were some guys out there that I didn’t know were out there,” Bielema said.The wear and tear of the season, which doesn’t give UW a bye week until the end of the conference season, was also evident in the secondary. While UW did open the game with their usual starters, Allen Langford and Brett Bell, on the field, the two cornerback spots saw unusually high number substitutions against Minnesota.”There are a lot of plays out there and I took special attention to that after last week,” Bielema said. “We had 89 snaps for some of our guys and then there’s special teams players in there as well, we just got to make sure we’re not putting too much on our guys physically.”Redshirt freshman Jack Ikegwuonu saw the most action of his career Saturday, while Levonne Rowan also saw a noticeable increase in his playing time. That playing time came mostly at the cost of Bell, who saw his time diminish increasingly as the game went on.”You’ve got to help as much as you can,” Bell said. “I’m not on the field, it doesn’t mean I don’t want to win the game.”With the injuries mounting and the length of the season taking its toll, UW must spend the week again trying to figure out an approach to stop opponents running attacks.”We’ve just got to go in, watch film and see why we’re giving up so many rushing yards. I really don’t know why it’s happening,” linebacker Mark Zalewski said.
Step 1: Get pre-approved – Go to our website, www.timloans.com, and fill out an on-line loan application, as completely as possible, with income, assets and job history. Once your application is done, Tim will call you to discuss the best loan program for your needs and ask any additional questions that might need to be answered. We will ask for your authorization to pull your credit report at this time. Credit scores play a big factor in programs and rates. Facebook0Tweet0Pin0Submitted By: Tim – A Licensed Mortgage Broker Step 6: Final Loan Approval-Once the underwriter has all of the documentation needed to support your loan application and also has an appraisal that supports the value of the home you are purchasing they then underwrite this and final approve your loan and then we request loan documents. These documents consist of many of your initial disclosures plus the Note and Deed of Trust for your new home and are sent to the Escrow Office that will be handling the signing and funding of the loan. Escrow will work up and Estimated HUD Settlement statement that itemizes all charges as a result of the purchase transaction for the buyer and seller and we will perform an audit of this statement so you know how much cash to close if any is needed on your transaction. At that time, our Loan Processor Sheila will call you and let you know exactly how much you need to bring in via Cashier’s check or bank wire, at the time of your signing. Many times for USDA and VA loans, there are no funds required for closing. Should you have any questions about the process or the initial pre-approval or pre qualification, please call Tim Barlow at Cornerstone Home Mortgage @ (360) 570-0106, or go to www.timloans.com to do a full application. Step 5: Submitting your loan to the Lender for Approval-The best thing about working with a Mortgage Brokerage is that we are approved with multiple lenders and we are able to shop rates and fees and find some of the most competitive prices available. It also allows us to choose the lender that we think will do the best job for you based on your financials and type of loan program. Once we have determined which lender of ours that you will do the best with, we will submit your entire loan package. The loan package gets sent into the lender’s underwriting department where an underwriter will review the income, assets, job history, loan purpose and property. We will most often have an approval back within 48-72 hours of submitting your loan. Step 4: Gathering Documentation– Once you have chosen your new home, we then will ask for the necessary documentation to submit your loan to the lender. We will ask for 1 month’s paystubs, 2 months bank statements, W-2’s for the past 2 years and any other information that we know the underwriter will need in order to approve your loan application. If you are self-employed we’ll be asking for a little bit more information. We will meet with you to have you sign all of your initial loan disclosures that we will need in order to submit your file to one of the many lenders with whom we shop for the best rates. Step 5: Ordering the Appraisal-Once we have your loan approval, we will then order the appraisal. The appraisal process typically takes 7 days or less. During this time we will be gathering any additional information from you that the underwriter needs as a part of the conditional approval of your loan. Once the appraisal is back, and all of the other conditions of the loan are turned in then you are headed towards your final approval! Step 2: Pre-Approval– If you are purchasing a home, once all income, assets, job history and credit have been reviewed, we will run your financials through an automated system and issue a Pre-Approval letter to you so that you can begin shopping for your new home with confidence. Since you have already went through the loan application process above, you will know exactly how much house you can afford and the Pre-Approval Letter increases your bargaining power as now you will be viewed as an approved borrower versus someone who is just prequalified. Step 3: The House Search- Begin shopping with your Real Estate Agent for your house so that you can determine the most important characteristics you will want for your home. Once you find the right one, the terms of the sale will be negotiated and you and your realtor will write the offer. The realtor will work with Tim to see if any of the closing costs should be included in your offer and paid by the seller. Step 7: Funding and Recording-Once you have signed your loan documents and the seller has signed their documents, the Escrow Office sends all documents back to the lender for review and funding. This typically is a 24 hour review. The lender’s funding department will review all documents to ensure everything was signed correctly and any funding conditions have been satisfied. Once everything is signed off your loan is cleared for funding, the lender then wires the funds of your loan to the Escrow office and authorizes them to release your file to the county for recording. When recording numbers are received from the county and funds are dispersed to all 3rd parties (realtors, lender, appraiser, lending institution and seller) this consummates the transaction and the sale is complete. Congratulations, you have now taken title to your new home! Tim is a licensed Mortgage Broker for over 10 years, has over 15 lenders to choose from and consistently delivers competitive rates, fees and on-time service. He is available for evening and weekend appointments. www.timloans.com