Paying Mommy's Mortgage - Cover

Paying Mommy's Mortgage

by Michele Nylons

Copyright© 2009 by Michele Nylons

Incest Sex Story: Mommy owes my Uncle a lot of money in mortgage payments. She can't pay him in cash but he doesn't want the money anyway.......he wants me

Caution: This Incest Sex Story contains strong sexual content, including Ma/Fa   Ma/ft   Ma/mt   NonConsensual   Reluctant   CrossDressing   Incest   Mother   Son   Uncle   Nephew   Rough   Oral Sex   Anal Sex   Masturbation   Foot Fetish   Leg Fetish   .

As long as I can remember I have had a penchant for wearing nylons and lingerie: pantyhose; stockings; silk, satin or nylon panties (not those horrible cotton things or G-strings that are like candyfloss in your arse crack -- I mean, full cut panties, cami-knickers, or boy leg panties); garter-belts; slips -- both half and full; basques and corsets ... I can go on but you get the picture.

I also have a fetish for high heel shoes: sandals, pumps, courts, stiletto heels, kitten heels, stacked heels, Cuban heels, platforms, open-toe, "Pilipino bar girl fuck-me shoes"; you name the high heels -- I love them!

Now this might not seem unusual if I was a sophisticated woman (or Pilipino bar girl) but I am a male; a young adult male who lives at home with his mom.

Mom and I have lived alone in a comfortable three bedroom house with a two car garage and a small in-ground pool since my dad died when I was only three years old. I don't remember him and don't care about him to be honest. I have three uncles and aunts on my mother's side of the family and we have a great family life as we are often together for festive occasions and family dinners. I have an Uncle Wally on my father's side of the family who occasionally visits mom but really has nothing much to with us and we never visit him.

Now back to my fetish; I have read about it extensively on the internet and I have a good understanding of my proclivity for women's underwear, hosiery and shoes. From my research; my fetish is best explained as follows:

"Most of the material on fetishism is in reference to heterosexual men, with most of the objects fetishised being high-femme items such as lingerie, hosiery, and heels a specific object or type of object, dating from an experience during the period where the mother gradually pulls back as an immediate provider of satisfaction of the child's desires, persists as a characteristic in adult sexual life."

So I understand that my fetishism is somehow linked to my mom; I certainly have fond memories of her dressed only in her lingerie snuggling and hugging me when I was younger and remember the soft silky feel of her slips and nylons against my skin but I don't remember any sexual excitement; just a feeling of and reassurance. I certainly had no sexual feelings for my mother. We love and respect each other of course; but that is as far is it goes.

That said; at sometime I developed sexual feelings for her lingerie and footwear. I can't remember when I first started dressing in mom's nylons and heels but I know I knew I shouldn't be doing it and soon realised I would get caught if I kept dressing in her clothes. Initially I took some silly risks and stole some hosiery, panties and slips them from my aunts washing baskets or from neighbourhood clothes lines; this was also risky, so once I had a few items I stopped doing this and just took whatever mom or my aunties threw out in the trash.

Once I was old enough to earn my own money I stopped taking anything at all and purchased my own lingerie, hosiery and shoes. Pantyhose were easy to buy; I just threw them in with the weekly groceries when it was my turn to do the shopping; the cashier just naturally assumed they are for my mom. Likewise I learnt that if I approached the attendants at the various lingerie shops I could ask them to assist me to purchase lingerie and shoes "for my girlfriend". When I was a too young to be buying lingerie or shoes for a girlfriend they were for "for my mom for mother's day -- birthday -- Christmas"; you get the picture. By the time I had reached adulthood I had a very extensive collection of lingerie, hosiery and shoes.

Now a little about my mom, Audrey. My mom has always been what society likes to call 'a big girl'; she is not particularly fat but she has a large frame. Mom has never complained about this; unlike my aunts who always lamented they were too fat. Mom likes to dress nice; business suits for work, skirts and blouses after work and on the weekends. She always wears hosiery, heels, jewellery and makeup; her hair was always coiffured and she always wears perfume. My aunts and mom's friends sometimes mock her about the way she dresses saying it is 'old-fashioned' and 'too much' but mom ignores them god bless her. Mom is very much focussed and goal oriented and is not really concerned about other people's opinions of her anyway.

I like the way my mom dresses and when I was still in the habit of borrowing her lingerie I particularly liked that she had such a nice assortment of underwear and shoes for me to borrow. You could say that mom's style of dressing became mine; at least as far as my fetish went. I am not the only one that likes the way my mom dresses; she had her fair share of suitors. Mind you she is not a slut and I have never seen her do anything untoward in my presence nor does she allow her gentlemen friends to stay overnight in our house. Mom has occasionally stayed out all night but as I got older I was not naïve enough to think my mom was not having sex.

Now a little about me, Mike; besides my fetish that is. I am a slim, moderately handsome, adult heterosexual male. Sure I live with my mom but that is more for the convenience rather than any 'mommy's boy' issues. I might as well admit that my job sucks and that I don't earn a very good wage, so staying at home, rent-free, makes perfect sense ok! I have had the occasional girlfriend but I am awkward around women. I'm no virgin but I don't get a lot of sex.

Now a little more about my fetish. Obviously I keep it totally secret; I'm sure that mom might have suspected something during my younger days when I used to borrow her lingerie and hosiery but most young kids experiment with that sort of thing; you know, playing dress-up. Now I am obsessive about not being caught.

I do keep my body fully shaved; but hey it's the era of the metrosexual and all the guys are getting 'back, crack and sack' wax-jobs and getting their chests waxed and legs shaved. I'm not that hairy anyway and with my nice tan, I must say that my slim body looks quite good. The real reason I remove my body hair though is so that I can fully appreciate the feel of sheer silk, satin, and nylon against my bare skin. The only real blemish on my body is a small tattoo of a reclining lady (dressed in lingerie and high heels of course) on my right calf. I regret getting it but I was drunk at the time; I'm absolutely hopeless when I'm drunk, I'll do anything!

I keep all of my fetish clothing and associated pornography behind lock and key in my room and my computer is password protected. I keep my room locked at all times and when I'm exercising my sexual predilections, I keep the blinds drawn and hang a 'do not disturb' sign on the door. To appease my demands for privacy, my mom understands I am studying for a degree part time that will hopefully lead me to a better job. So she is used to me demanding solitude and staying up late in my room. To be fair; I do spend a lot of time on the weekends and weekday nights locked in my room studying; but I spend a lot more time in there dressed in hosiery, lingerie and high heels masturbating to pornography on the internet.

I like to strip naked, shower and then slide into a nice pair of sheer pantyhose or stockings; my panties go over my pantyhose or over the suspenders of my garter belt if I'm wearing stockings. I then put on a nice slip, usually a full-slip and finally a pair of nice sexy high heels. I like to pose in front of my full-length mirror or look at pictures in my extensive pornography collection of women being fucked in lingerie; but mostly I end up in front of the PC surfing the net and masturbating.

I am a member of numerous websites where guys have similar interests to me and I recently discovered the joys of web-camming and set up my own webcam site; I like to show off my lingerie clad body (never my face) and sometimes I jack off on camera as well. I never accept webcam streams from other guys; I'm not gay or interested in men, but I get a kick out of knowing that anyone can watch me on my webcam site. This peccadillo for displaying myself on the web dressed in lingerie was to cause my downfall.

It started couple of weeks ago when my uncle Wally can around to make one his rare visits. He and mom were in the lounge room for quite some time when I heard him and mom arguing; not just quarrelling but out and out ranting and screaming at each other. Mom was yelling,

"No way! No fucking way Wally; that is never going to happen!!!"

And then Uncle Wally was screaming back at her.

"It's the only way it's going to happen Audrey; you know you don't have the money!!!"

They kept on like this for quite a while; I went into the lounge room to investigate but when mom saw me at the door she slammed it shut and all I could hear were her and Wally hissing at each other so that I couldn't overhear them. Eventually Uncle Wally slammed the door and left; as he went out the door he yelled back at mom.

"You know what you have to do Audrey; it ain't like he's even paying his way is he?"

"I'll see you both tomorrow night!"

This last statement puzzled me but when I looked at mom with an inquiring gaze she gave me an angry look.

"Why don't you just go to your room and lock the door and do what you do in there!" she hissed at me.

Now I was really puzzled; mom seldom got this mad with me, so Uncle Wally must have really pissed her off somehow. I decided to retreat to my room and do some long overdue study. About two hours later there was a soft rapping on the door. It was mom.

"Mike, can I talk to you honey; I'm sorry I yelled at you; come and talk to me please," she begged.

"Let's go sit in the lounge room and talk ok?"

I unlocked my bedroom door and went into the lounge room. She was sitting on the couch and was obviously drunk. Her makeup had run down her cheeks, her hair was dishevelled and her skirt had ridden up exposing the darker band of her control-top pantyhose on the top of her thighs. She saw me looking and straightened her skirt and smoothed her fingers through her hair.

"Sit next to me Mike; we have to talk," she said patting the space beside her on the couch.

I sat next to her and she poured me a large scotch from the half-full bottle on the coffee table. She topped off her own drink and turned to me with her glass raised.

"Take a drink Mike; you're going to need it son," she said and took a large gulp of her drink.

I took a sip of mine and looked at my mother searchingly.

"What's the matter mom? What has Uncle Wally said to upset you?" I asked.

"I don't know how to tell you this, so it's probably best that I just show you the filth that Wally bought into our house today," she responded.

I looked at her quizzically again but she just pointed with her chin at the television set and hit the play button on VCR remote.

"Look," she said in a sad, heart-rending voice.

I was shocked at the scene playing on our TV screen in livid colour. It was recorded video of a person sitting on a chair in front of a camera. The person, dressed in a white satin full-slip, sheer taupe pantyhose, white nylon full-cut panties and black patent leather high heels was only visible from toe to neck. You would think that the person was a woman except for the fact that the person was holding down the front of her panties with one hand and stroking an engorged penis with the other. The person was a man. The person was me.

I could try to deny it of course; except that the room in the background of the video was obviously my bedroom and also, on the man's right calf, visible through the sheer nylon of his pantyhose, was a small tattoo of a reclining lady dressed in lingerie and high heels.

My bedroom and my tattoo were as evident to my mom as they were to me. I gulped down the rest of my drink and reached for the bottle as mom hit stop on the VCR remote.

"I had my suspicions of what you got up to locked in that room for hours at time Mike; but I never dreamed of anything like this!" mom whispered.

"And to display yourself for the world to see; my god!!!"

"I'm sorry you had to see that mom," I apologised, "I'm really sorry,"

"Well Mike the issue is no longer that you like to dress up like that and masturbate; it's that uncle Wally knows about it and he has plenty of video footage of you doing it," she replied.

"Pour us both another round Mike; I need to tell you something and it's going to take a while," she went on.

"When your father died, he left us with nothing Mike. Your uncle Wally has been paying the mortgage on this house since then."

"He promised me that he would keep up the payments and then give me the deeds to the house one it was paid off; it was the least he could do for the widow of his brother he said."

"Now the time has come; the house is paid for but there is one hitch. The bastard won't transfer the deed to my name unless I give him something that I hold precious," she said looking at me intently.

"What is it mom?" I asked.

"You Mike," she answered.

"That's what Wally and I were arguing about!"

"He told me that he is some sort of admirer of crossdresser and has always wanted to be with one. I told him that I was not interested in his disgusting sexual deviances; but then he showed me that revolting video."

"I recognised that it was you of course from the tattoo; and then I realised that it was video of you taken in your room. Wally told me about the webcam thing and how he had found you online and that he has recorded you on a number of occasions."

"He's blackmailing us Mike!!!"

"If you don't do what he wants he's going to show the video to all of the family and post it on Internet sites along with your details!" she sobbed.

I was stunned.

"He can't be serious mom," I implored.

"He is serious Mike. We have no money to give him for the house and he's threatened to evict us if we don't do what he wants!" she answered.

"What are we going to do mom?" I cried.

"We're going to play along that's what," she answered coldly.

"I'm going to swallow my pride and so are you! We're going to pretend to give the sick fuck what he wants; and then we're going to turn the tables on him!" she went on.

"You're going to dress up for your uncle Wally and let him come into your room. You get him naked and let him do some stuff with you; nothing extreme; and you film it on your webcam and we blackmail him back!"

"You only need to record video of him touching you inappropriately; so long as we can clearly see his face; that will be enough to blackmail him. I don't expect you to commit any sex acts," she finished.

"Like fuck!!!" I shrieked, "I'm not letting that pervert anywhere near me!"

"Well what are we going to then Mike? Where will we live?" mom snapped back.

"And what about the video of you that he already has? What are we going to do about that? Do you want the world to know that you're a pervert?"

Mom calling me a pervert bought me down to earth with a thud; I realised that there was nothing I could do but go ahead with mom's plan to ensnare Uncle Wally with his own trap.

"Ok mom I'll do it," I said reluctantly.

"But only so far as to get the goods on Uncle Wally attempting to interfere with me; then we spring the trap before it gets any further ok?"

"Ok son; but there is one other thing that uncle Wally wants; he wants you fully dressed as a woman Mike; makeup, hair, shirt blouse; the whole caboodle," she explained.

"Well what the fuck mom? I'm going to let my uncle act in appropriately with me dressed in women's underwear; I would actually prefer to have on some clothes on. In for a penny in for a pound I guess." I capitulated.

"Ok Mike; we have to be ready to act tomorrow night; that's when he's coming back." Mom said, and drained off her drink.

We finished off the bottle of scotch and planned and schemed into the early hours of the morning. I woke late the next day with a hangover and the memories of last night came flooding back. I didn't want to do what mom and I had planned but I knew no other way out of the situation. Both mom and I were broke, so there was no way that we could pay my uncle the outstanding mortgage bill and he had the webcam video footage of me which he had threatened to show to mom's family and post online. I was trapped I had to go along with mom's plan.

I spent most of the day locked in my room in trepidation of what the evening would bring. About six o'clock there was a tap on my door and I got and let mom in to my room. I lay back down on my bed sulking and she came and sat down on the edge of my bed.

She was dressed immaculately as always; skirt, blouse, hose, heels, makeup and hair perfect. I cast a critical eye over her. She was quite attractive for a woman of her age, even though she was a large woman. Her legs were her best assets and she was not afraid to show them off with short skirts and sheer hosiery. Her face was pretty; framed by a blonde bob and heavily made-up with lashing of eye makeup and lipstick. I hadn't really noticed how flat out sexy my mother was before tonight.

"Mike; go and have a shave and shower ok? I'll get the rest of the things we need for tonight," she said.

"Come on honey let's get this over with."

She leaned forward and kissed me on the cheek; the scent of her perfume lingered when she stood up and left; her heels clicking on the wooden floor.

I went to the bathroom and used the toilet and then shaved myself very closely. I brushed my teeth and showered, returning to my room clad only in towel around my waist. Mom was sitting next to my dressing table on a chair that she had bought to my room. Mom had pulled my chair next to hers alongside the dressing table in anticipation of my return. The were a number of packages piled on my dressing table and I realised that this is it; I'm going to dress as a woman to entrap my uncle Wally and blackmail him into not blackmailing me. The whole idea was preposterous but I was going along with it; without an alternative plan I had no choice.

"Sit down Mike," mom sat patting the chair beside her adjacent to the dressing table.

"I went out today and got a couple of things we; well that is you, are going to need."

I noticed a fresh bottle of scotch was opened on the dresser and two doubles had been poured. As I sat down besides mom she handed me one and took one herself. She chinked her glass against mine and said,

"Hair of the dog," and drank down her drink in one long gulp.

I followed suit and mom topped off our glasses again. Mom had bought in a vanity case and she busied herself sorting though the cosmetics and then she turned to me.

"Ready honey?" she smiled at me.

"Ok mom," I answered.

Mom applied foundation to my face explaining how she had picked a shade that closely matched my skin colour. I Then she liberally coated my face and neck with face powder, one shade darker than my foundation. Mom turned my face towards the mirror.

"Now I have the blank canvas on which to apply the rest of the makeup Mike; take another drink if you want because we're going to be busy for a little while making you look pretty," she smiled.

I took along pull on my drink and then relaxed and let mom do her job. I was actually intrigued by what she was doing to me and concentrated on watching her do my makeup. The smell of the foundation and powder was quite appealing and bought back memories of me as a young boy sitting next to mom as she made herself up before going out.

"Mike I want you to half close your eyes for me ok?" she said.

I half closed my eyes and mom applied my eyeliner, from the inner corner of my eyes to the outer corners, gradually thickening the line.

"Keep you eyes half closed honey ok?" she encouraged me and patted me on the knee, "just a little while longer while I do your eyeshadow."

Then she reached for the eyeshadow and selected a pale blue shade which she applied to my eyelids and then blended it with a shade of dark pink which she brushed onto the upper part of my eye sockets and right up to my eyebrows. She took the mascara brush and applied thick coatings of black mascara to my upper and lower eyelashes.

"Ok honey, have another drink and I'll do the rest ok" mom said, taking a long sip of her own.

I took another drink and then sat still while mom applied I rouge to my cheeks, defining my cheekbones. Then she applied a coating of 'skin-glow' face powder all over my face and neck. I was amazed when I looked in the mirror at the transformation that was taking place before my very eyes. Mom carefully brushed another coat of mascara onto my lower and upper eyelashes.

"Ok son, I'm going to do your lipstick next. Open your lips for me honey while I apply the base coat. Women now days like to wear long-lasting two coat lipstick like this," she explained.

"You never know what you might be doing that will cause your lipstick to wear off," she giggled.

"Mom!!! What the fuck does that mean!" I relied, a little stunned by what she had implied.

"Oh come on Mike you know mommy ain't a virgin for god's sake!" she laughed.

I realised that mom was more than a little drunk and that I was not for from drunk myself. I giggled a little myself.

"Ok mom; more info than I need ok? Just keep going with the war paint ok? I giggled back at her.

Mom took some time applying Max Factor 'Lasting Colour' lipstick to my lips. I watched intently in the mirror as she applied the base coat carefully just outside of my lip-line and my lips suddenly appeared fuller. She let the base coat set for a minute and then applied the clear topcoat over the 'Raging Ruby' lipstick.

"Purse your lips honey," mom said, imitating what she wanted me to do.

I had seen my mom and other women do this before so I pursed my lips and smacked them together to smooth the lipstick. It tasted quite pleasant. I look at myself in the mirror and am amazed at the transformation, although I still do not look like a woman; I look like a guy in makeup. I sip at my drink while mom rummages around in one of the packages.

Mom produces a brunette wig from the package and brushes it with a wig brush. I have to admire the sheen of the artificial hair; it has some highlights in it and looks quite refined.

"One of the things I went out for today Mike; and I have to tell you it was not cheap," mom explained.

She I positioned the wig on my head and adjusted it so that the fringe was straight and level with my eyebrows. She looked at me quizzically and frowned and then smiled.

"My god Mike! If I didn't know better..." she stammered, and I turned to look in the mirror.

I could have been my mother's younger sister; the resemblance was uncanny.

Mom turned to me, a serious look on her face.

"Let's get you finished and get this over with," she said and reached out for a bottle of nailpolish.

Mom painted two coats of plum red nail polish on my finger and toenails, putting my feet in her lap when she painted my toenails. She finished off her drink and stood up.

"Ok Mike; I think I can leave the rest up to you; from what I have seen in those video clips you know how to get dressed. I've laid one of my suits and a blouse out on the bed for you; just as well I'm a big girl because I think they will be your size. They'll have to be son; I've no money left to buy you skirts or dresses," she smiled wanly at me.

"There are a couple of other items that I got for you today in that bag on the bed and I have laid out some of my jewellery and some perfume on the dresser; you've seen me wear my jewellery, just do the same."

"Call down to the lounge room when you're dressed; I'll make sure the blinds are closed and the doors locked so we don't get any unexpected visitors."

"Good luck son," she said rather poignantly and kissed me gently on the lips.

The taste of my mother's lipstick mingled with mine and caused a stirring of arousal in me. I shrugged off the inappropriate response.

"Thanks Mom," I said as she picked up her glass and the bottle of Scotch and left the room.

I opened the package that mom had left on my bed. It contained breastforms. Because of all of the time I had spent on the net in crossdresser chat rooms and sex sites I knew what they were as soon as I saw them. There was also some medical adhesive tape and cosmetic gum in the package and I struggled for a while but eventually I affixed them to my shaved chest. Mom has provided me with one for her brassieres; it was white satin with lace trim and I tussled with the straps for a while but I managed to fit into it and adjusted it so that it held my breastforms in place.

I walked over to my wardrobe and removed the false panel and unlocked the concealed door and gazed at my stash of lingerie and heels.

I selected a packet of taupe sheer-to-the-waist pantyhose. Despite the graveness of the situation I did feel a small tingle of excitement as I smoothed the pantyhose up my legs and over my tummy and buttocks. I carefully arranged the toes of the hosiery around my painted toenails so that I didn't ladder them.

I sat down on the bed and pulled a pair of peach coloured satin full-cut panties up my legs and smoothed them around my buttocks and over the gusset of my pantyhose and then I stepped into a matching satin half-slip. The lace hem of the half-slip fluttered against my nylons and the scintillating feel of the lingerie on my body began to arouse me but then I remembered why I was dressing this way tonight and all of my pleasant thoughts disappear.

Mom has laid out a navy blue woman's business suit on the bed. I stepped into the skirt and noticed that it has a single pleat at the front and a split side. I buttoned myself into a peach coloured, long-sleeved, satin blouse, fumbling with the buttons because they were on the opposite side to men's shirts. I tucked the blouse into the waistband of my skirt and closed the zipper. The skirt was tight around my buttocks and thighs and the hem sat high up on my legs.

I walked back to my wardrobe and selected a pair of black high-heeled sandals and sat down at the dresser and put them on, fastening the ankle straps. My nylon encased painted toenails peeked out from the black patent shoes. I mooched amongst the jewellery that mom had left out for me and remembered what she said about wearing jewellery. I slipped a gold anklet on my right ankle and adjusted it so that it fell below the ankle-strap of my high-heeled sandal. I clipped on a pair of gold drop earrings, and put on an elegant gold ladies watch and two gold bangles on each of my wrists and a matching gold chain necklace around my neck. Mom has left a bottle of her favourite perfume, 'Poison' on the dresser so I sprayed some on my décolletage and then sprayed a modest mist of the perfume under my skirt, a trick that I leaned from my few girlfriends.

I stood up and put on the suit jacket and stared at myself in the mirror. I couldn't believe I was looking at myself. The woman in the mirror with the heavy makeup, subtly streaked shoulder-length hair, tight skirt, matching jacket and leg show looked like my mom's younger sister; her son nothing like Mike. The skirt was short and tight and the side-split exposed my nylon-encased thighs. I find that moving around my room fully dressed as a woman for the first time is exhilarating; sure I've dressed in lingerie, nylons and high heels before and I love the feelings that dressing like that evokes in me; but being fully dressed this way was totally different. The swish of my nylons against my slip; the feather-light caress of the hem of my skirt against my legs; the taste of my makeup and the smell of my perfume and the subtle stroke of my hair against my face; was so exciting and uplifting; even empowering. But most of all it was just damn hot! I felt feminine and sexy!

I made my way over to my PC and fired it up; I bought up my webcam, looking at the screen I adjusted the position and focus so that the whole of my room was in frame. I hit the record button and switched off the video monitor. With my external hard drive I can record video for over six hours; that would be easily enough time to get the goods on my freaky uncle I thought. I went over to the bedroom and door.

"Mom; I've finished dressing!" I called out.

I heard the clatter of mom's high heels as she approached my bedroom door and then saw the look of amazement on her face when she came into the room and saw me standing there.

"My god Mike you look gorgeous!" she gasped looking me up and down.

"I look like you," I answered.

"Well a younger version of me yes; but god I would never know it was you unless I got right up close. Come over here so I can do a little adjusting," she said as she sat on my bed.

I walked over to the bed and stood in front of her and she pulled me in close to her and reached under my skirt and started adjusting my slip. As he fiddled with the hem our legs touched and silky caress of our nylons rubbing together caused a wave of intense pleasure to shoot though my body. I gasped and felt mom pull her legs quickly away from mine as she realised what had happened.

 
There is more of this story...
The source of this story is Storiesonline

To read the complete story you need to be logged in:
Log In or
Register for a Free account (Why register?)

Get No-Registration Temporary Access*

* Allows you 3 stories to read in 24 hours.

Close
 

WARNING! ADULT CONTENT...

Storiesonline is for adult entertainment only. By accessing this site you declare that you are of legal age and that you agree with our Terms of Service and Privacy Policy.