Nathan and Micah Pay the Mortgage

Chapter 1: A Chance Encounter

I was about to step into my local Subway for a quick lunch when I saw them. A young couple stepped out of a small storefront that advertised Western Union and Payday Loans. The young man had an envelope in his hand she held a medium sized purse. They got about five steps from the doorway when the young girl put her hands to her face and began to sob. I tried to ignore the scene, but I had to walk by them to get to the Subway. Against my better judgment I asked them if everything was all right, although it obviously wasn't. The young man quickly said, "we're fine", the girl just leaned into him and cried harder.

I responded that they did not seem fine and in a rare moment of compassion invited them into the Subway for a sandwich. The girl looked up at the fellow, wiped some snot away with her sleeve and nodded.

I lead them into the nearly empty restaurant, directed them to sit at a table in the corner and asked them what kind of sandwich they wanted. At the counter I ordered an Italian sub which they would split and a six-inch long meatball sub for me. I brought over some drinks and went back to the register to pay and wait for the order.

While standing at the register I watched the young couple. He as of medium height and a bit on the thin side. They both looked to be young, I would estimate in their early 20s. She was also smallish, cute but not a beauty. She had mousy light brown hair, pretty blue eyes and small breasts.

I brought over the sandwiches and a couple bags of chips and told them to dig in. After a few minutes of silence while we dressed our sandwiches, the girl said thank you for the food and that her name is Micah Lawrence and her husband's name is Nathan. I said my name is Tim.

There was an awkward silence for a couple of minutes as we each started on our food. I really did not want to get involved in whatever problem these kids were having but the quiet was uncomfortable, so I asked them if they wanted to talk about what was going on outside. The young man said Micah is upset over what happened with a title loan they just took out. I really should have let it go but, I blundered along and said, I hope you didn't take out one of those payday loans. That started Micah to crying again. In between breaths she said "We are in so much trouble, I think we might lose our house".

Then the story spilled out. They are both 26. They married four years ago just before Nathan got out of the Navy. After his discharge, he found a good job as a small engine mechanic at the local True Value. She had been working at Red Lobster as a waitress since high school.

While Nathan was in the service, Micah lived with her parents. They both squirreled away most of their pay as they planned to buy a house as soon at Nathans enlistment ended. Within a year of his discharge, they had enough for a minimal down payment on a small house.

Things were looking pretty good until life caught up with them. True Value declared bankruptcy and Nathan found himself out of work with few prospects in this small town. Red Lobster also went into bankruptcy costing Micah her job. Micah found work at another restaurant quickly but because she was the new girl, she did not get the best shifts, and her tips money decreased significantly.

Nathan got unemployment for 13 weeks so they held on for a little while but the unemployment plus what Micah was making didn't cover everything so they started to run up their credit cards thinking they would catch up when Nathan found a job. There were not many decent jobs locally and most employers wanted at least an associates degree which Nathan did not have. When their credit cards maxed out, tried to borrow money from friends and relatives but nobody they knew, was in a position to give them anything significant. They were making choices between the mortgage, credit card payments, necessities like food. They were smart enough to focus on the mortgage, but they had been late on three payments over the past six months and were currently past due on the current payment. Which led them to try to get a title loan on their six-year-old car. The car was paid off but because of the age the Title Loan company would only give them $450 on their title which would allow them to make the past due mortgage payment but the terms of the load were vicious. To get their title back, they would have to pay $50 a week in interest until they paid off the $450. Even though the title loan allowed them to get current, they weren't going to be able to make their upcoming mortgage payment that is due in two weeks. In short, they were in desperate.

I am not usually very soft hearted, but I had an idea how I could help these young people out and get a little something for myself. I am a 64 year old widower. I have worked my whole career in Information Technology which paid very well. My wife, God rest her, was very frugal and managed our money well. I recently retired with a very comfortable amount of savings and investment funds. My house and cars are paid off and I have no debt. I traveled extensively during my career and have no desire to ever get on another airplane. So, I am basically a lonely guy who keeps busy puttering around the house and working on his hobby's. I am content with my life. I have no desire to remarry but I do miss sex.

My idea was simple, I could help these young people with their financial problems, and they could help me with my sex problem.

Of course making this type of proposal is delicate so I started out by asking. "Micah, Nathan, If I could take care of your mortgage for a few months, would that help you out and would you be willing to do somethings for me in return?"

At first they thought I was joking but I convinced them that I would seriously consider some type of arrangement until they got back on their feet. They both became quite animated, Micah said she could clean my house, do errands or even take care of the bookkeeping for my bills. Nathan said he could do yard work and work on my car or do handyman type work. I let them ramble on until finally I said that I have all those areas handled. The type of service I have in mind were of an "adult" nature. I promise it would be a very private arrangement just between us. Micah got very wide eyed and shook her head. Nathan seemed to oscillate between anger and incredulity. Both said they wouldn't consider such an arrangement.

I said I understood and was sorry for bringing it up. I continued saying I just thought having their mortgage covered for a few months in exchange for the providing some intimacy to me might be something that they might consider. I explained that I have not been with anyone since my wife passed 3 years ago and I am not looking for a replacement wife, I just wanted to have a little harmless adult fun. I said I was sorry if I offended. I gave them an old business card that still had my mobile number and told them they could call if they ever wanted to reconsider. I wished them a good day and got up and left feeling shame for trying to take advantage of two people who were in such a desperate situation.

Chapter 2: The Negotiation

My lunch with Micah and Nathan was on a Tuesday near the middle of January. I figured that I would never hear from them again and I was somewhat concerned that I might get a knock on my door from the local sheriff's department. It probably wasn't a good idea to hand them a business card even if I no longer worked for the company.

On Thursday morning I saw a call on my mobile from an unknown number. As usual I did not take the call figuring it was another spam call. A while later I noticed I had a voice mail message waiting for me. I was very surprised to hear the message from Micah. "Hello Tim, This is Micah, you bought lunch for Nathan and I a couple of days ago. We have been discussing your proposal, and we would like to hear more about what this all would entail. Can you call me back please."

I returned the call and arranged to meet Micah and Nathan at a nearby bar and grill at 6:00 PM that evening. I spent the rest of the day considering what I really wanted to get out of this arrangement, how much I was willing to invest and how to best protect myself from any legal problems this venture could pose.

When I arrived at the bar, I saw the two seated at a table near the rear. He had a beer in front of him and she had what looked like a Margarita. I approached the table, said hello and sat. The waitress came over and I ordered a beer. I also gave her a credit card and told her to run a tab and to put the couple's drinks on my tab.

After pleasantries and small talk, I said that Micah had called me so she should probably start us off. Micah took a breath and began to talk. The first thing I noticed was she did not come off as the desperate, sobbing little girl I had met a couple of days ago. She was very precise and mature in her delivery. She said that she and Nathan were determined to keep their house. They had invested all their savings as well as a couple of years of payments. She said, if they understood my proposal, that in exchange for helping with their mortgage, she would have to have sex with me. She is not anxious to agree to that proposition. She found our age difference off-putting and was not attracted to older men.

She and Nathan discussed it at length. At first, he was dead set against it. However, they are past due on their prior months payment and had a current house payment due in less than two weeks. While they can barely cover the late payment for last month with the help of the money they got from the title loan, they have nothing left for the about-to-be-due January payment. Their lender had already issued a pre-foreclosure notice because of their prior late payments. In essence if they were late again in the next 12 months the lender was going to start foreclosure. Once he started only way to stop the foreclosure would be to pay off the full $185,000+ mortgage. If they didn't come up with the payment on time they would lose the house.

Without help, they were going to lose their home. They are desperate enough to consider doing something drastic, so they want to know what I am proposing. She asked me to lay out exactly what I was proposing. Then she and Nathan would spend a day deciding and if they wanted to proceed, we would meet here again the next night to work out any remaining details. If they didn't show up there was no deal, and we would never see each other again.

Now it was my turn to lay out my proposal and my expectations. Over the prior few hours I had decided that I would be willing to "invest" around ten thousand dollars if I could sexually control these two young people for a few months. Before I started on my terms I had to understand what their monthly mortgage payment was. I was pleasantly surprised when they disclosed that the full mortgage including PMI, taxes and insurance was about $1,850. I was expecting it to be closer to $2,500.

I started out by telling them a about myself and what I enjoyed In terms of sex. I am not very kinky. I am comfortably heterosexual. I am not into pain, bondage, or exhibitionism. I want nothing to do with excretory functions. I enjoy intercourse, oral sex, hand-jobs, mutual masturbation, etcetera. My only kink is that I have a fantasy of being a bit dominant. I want to be able to take charge of my sexual partners and have them do whatever tell them to do.

Then I explained that Micah has misinterpreted part of my proposal. The deal involves not just Micah but both her and Nathan. That what I wanted was for her and Nathan to come to my home one night a week for four hours. During that time, they would do whatever I told them to either with each other, with me or individually. Nathan would be an equal participant. He should be prepared to do anything Micah was willing to do. There would be no pain, hitting, pee or scat but essentially anything else would be on the table. There would be no additional people involved; it would just be the three of us. Essentially, they would be my sex slaves tor 4 hours a week through April.

In exchange I would pay their mortgage payment via online payment. The first payment would happen after our first session to occur before the end of January. Thereafter, I would make the payment after the last session each month, through the end of April. A total of four mortgage payments. Additionally, I will give them $200 cash after each session. There will be some additional rules of behavior that we can work out, but this the basic agreement. If they want to move forward, I will type up everything and we will all sign the agreement.

I think they were completely speechless for about three minutes. I finally said, I think you two have a lot to discuss. I handed them a printout I had brought with a one paragraph summary of what I had laid out and suggested that unless they have questions, they should go home to discuss everything. I knew there was at least one question that Nathan would ask so I paused, waiting for it. Then Nathan said it: "You said we would both be involved, but I am not gay. I hope you don't expect me to do anything gay with you." I had prepared for this, so I hit him with the answer that I feared would end up being the deal breaker: "Nathan", I said, " I am not gay either, but I do have a domination fantasy. I am investing a lot of money into this adventure so make sure you understand the parameters. Within the limits laid out on that paper, you and Micah will do anything I tell you to do. I don't care if you enjoy it or not. I doubt that Micah is looking forward to doing sex acts with a crusty old man, but she might be willing to do it to save your house. If Micah is willing to suck my dick, you need to be prepared to suck it also. Being forced to suck a dick doesn't make you gay. Enjoying it makes you gay. I am an equal opportunity abuser. I think asking your wife to do something you are not willing to do does more to call your masculinity into question than putting up with something that you merely find distasteful."

I thought Nathan was going to throw up right there. He started to get up to leave but Micah took control: "Nathan you sit right back down. We are just talking and nothing has been decided, yet. Tim is right. If I am willing to put my dignity on the line, if I am willing get sexual with an old man, to save that house, you are not going to unilaterally reject this last chance offer just to protect your macho homophobia. We will discuss this at home." Micah took a breath and continued "I have one question for Tim. You did not mention anal sex. Is that part of the deal?". After suppressing an admiring smile at Micah's decisiveness and control over Nathan, I explained I am not crazy about anal sex but it might play into my dominant fantasy so it will have to remain on the table.

Micah said she and Nathan had a lot to talk over. We discussed meeting again the next night, which was Friday, but Micah thought they might need a little more time, so she suggested lunch on Saturday. We decided on a local casual restaurant and Micah said that if Nathan and she don't show up, I should assume they had declined the offer and should not contact them again.

Chapter 3: The Agreement

After meeting with Micah and Nathan on Thursday, I was beginning to believe that they would agree to my proposal. The scheduled meeting on Saturday, if it came to pass, would be the last hurdle. I knew that if they showed up to lunch it would mean they were resigned to let me use them, but I fully expected them to try to get a few last-minute concessions. My strategy was to hold fast and decline any significant changes to what I had laid out as the agreement on Thursday. I spent Saturday writing up a full draft of everything we had discussed along with a section on how the agreement could be terminated if anyone decided to end the agreement.

I arrived at the restaurant about 15 minutes early and ordered an iced tea and some appetizers while I waited. The couple was still missing at the appointed time. I decided I would wait 15 minutes and then pack it in. At 10 after, Micah and Nathan rushed in the door of the restaurant, much to my relief. They came over to where I was sitting and apologized for being late due to parking problems. I really did not care since I was so happy to know they were ready to submit. I asked them to sit, called the waitress over to take their drink order. I added some more appetizers to the order.

Once we were settled, Micah again took charge and began to speak. I was more and more impressed with way she takes charge. I was beginning to believe it is Micah who calls the shots in that family. Micah spoke about how she and Nathan had had pretty much, non-stop discussions, debates and arguments since we had last meet. It seems Nathan was willing to have her prostitute herself to me but Nathan just did not want to be a full participant especially in anything he considered "gay". Micah said some of the words I used at our last meeting really resonated with her. Finally, she gave Nathan an ultimatum. If Nathan was willing to have her do things to save their house, he damn well better be prepared to do the same things. She told him if they lost the house because he was too proud to make a sacrifice, she would never be able to forgive him. If he was willing to lose the house, he would also lose her. Then she smiled a bit and said, besides, I think seeing him do some of those things might be hot.

So, I asked if there was anything else to discuss before we got down to the practical aspects and rules of engagement. Micah said they had two requests. I expected this and was prepared to be very firmly against changing any of the parameters I had laid out but I was surprised that the requests were completely reasonable.

The agreement required that they come to my home for sex sessions one night a week for up to four hours. Micah wanted the night to be Monday as the restaurant she worked at was closed on Mondays and suggested 6PM as the start time. Monday works great for me. In fact, I had anticipated their preference for Monday since I knew many restaurants closed on that day. I had already put Monday into my draft agreement as a placeholder.

The second request went a long way toward increasing my admiration for Micah. She said she was fully aware that poor financial management got them into their current predicament. Once they had moved into their newly purchased home, they had let loose on their spending. Rather than save for a rainy day they spent any extra money on restaurants and personal items. They even took a trip to Disneyland to celebrate Nathans 24

th

birthday. They had opened too many credit card accounts and had maxed them out. Micah said that being forced into this humiliating agreement with me made her promise herself that she would never again be in this position. Her ask was that in addition to using them sexually, I would share my life experience and financial success to help them. She wanted me to act as a mentor to help her create a budget, understand what opportunities existed for them to get job related training and education and to learn how to save and invest money for the future.

This request blew me away. I was so impressed by the wisdom and forethought Micah expressed that I agreed without hesitation. I said I doubted that we would use the whole four hours each session for sex activity and that we could use some of the time for mentoring. I also offered that one night a month could be primarily devoted to teaching Micah basic skills like using Excel, creating and maintaining a budget and basic investing. Any sex on those nights would be brief, quickie type activity, so we can spend more time on mentoring. Nathan could choose whether to attend those sessions or take the night off.