Okay this is my first story and I'm no professional writer so take it easy on me!

Title: Underestimated

Summary: Jacob Black is a 24 year old married man and is very happy with his lifestyle until 17 year old Bella Swan moves in next door and turns everything in his life upside down. Somewhat OOC.

Disclaimer: I own nothing. Everything Twilight related belongs to Stephanie Meyer's wonderful mind.

A/N: The first two chapters will be a flashback. Then on to the real story.

Chapter 1:
Jacob POV:
"Babe, what's on the schedule for today?" said my wonderful wife Leah.

"Uh, actually I might be working late today so I'll have to let you know" I lied.

"That's the third time this week…but okay sweets just let me know" She said sounding disappointed.

"Sure thing" I said feeling horrible about what was really going on.

We have been married for the past 8 months and things have been going great up until a week ago today. That's when God decided to throw something at me I never knew I would want..almost needed to have.

Flashback:
"Oohh jake! I need you now please!"

"Ahh Leah be patient sweetie" I said as I kissed a path up from her navel to suck on the spot on her neck she loved so much.

This was pretty much how it had been the last few months. I guess you could say we are still in our Honeymoon stage. Sex wasn't just an act between us. It was like making love to her for the first time every time and I loved it.

"Wait. Babe it's almost 6 o'clock and I promised Charlie I would help him get settled in next door" I said regretfully.

"He can wait, he can wait please babe I need you…." She begged.

"I promise I'll make it up to you later kay I swear" I said while giving her a light kiss and getting up and changing into a pair of basketball shorts and a wife beater.

"Ugh you're giving me the female version of blue balls jerk!" She laughed.

I just shook my head at her smiling as I walked out to meet Charlie and his moving van.

"Hey Charlie, how's it going?" I asked.

"Great buddy. Just a little tired from all the drama" He said very tiredly.

"Yeah moving can…do that…" Just as I was saying that a pair of long legs stepped out of the truck and led up to a nice round butt in a pair of shorts and a tiny tank top baring a midriff I would love to lick and…wait! Jake you're married snap out of it!

"Oh hey Jake this is my daughter Isabella" He introduced us.

"Ughh Charlie don't call me that. The names Bella" She stuck her hand out while eyeing me up and down.

"Fine. Call me dad I'll call you Bella. Deal?"

"Yeah. Whatever dad" She said very sarcastically.

She had bite. And I liked it.

"Nice to meet you Bella" I said shaking her hand trying to ignore my obvious attraction to her.

"I didn't know you had a daughter Charlie" I said ignoring her stares.

"Yeah she just moved down from her mother's in Phoenix. I figured I'll keep her" He said smiling at her while she just rolled her eyes.

"So, Jake do you think you can finish unloading this truck while I head out for the other one?"

"Sure thing man. Hey wait wont you need a ride to get the truck?"

Just as I said that Leah walked around the corner.

"Hey I can take him. I'm heading that way anyways so it's no hassle"

"Who are you?" Bella questioned Leah.

"I'm Leah. Jacob's wife" She said smiling a very friendly smile at Bella.

"Oh. Well im gonna head inside and check out the place see ya" She said hastily.

"Alright Jake we're gonna head out and I will give you a call when I'm headed back"

"Sure thing Buddy I'll see you in a bit"

"Love you babe. I'll see you later" Leah said to me before driving out.

"K. Love you too"

And just as they were leaving I realized that left me alone with the feisty Bella for some time. I decided to ignore that thought in my mind and just get these boxes into the house and get out of that house before anything bad could possibly happen.

About 45 minutes later, I was finished. I was sweating and by that time I was left in only my basketball shorts and no top. I still hadn't gotten a call from Charlie saying he was on his way and I didn't want to leave Bella here alone so I went to look for her.

"Bella?" I searched the entire house.

"I'm outside in the Jacuzzi jake" She shouted to me.

"Oh crap. I should leave I should leave" I thought.

But that part of my mind was outweighed by the part of me that wanted to see her in her swimsuit.

I walked outside and saw her. She was wearing a white bikini…if you could call it that it was so tiny. She was gorgeous! I didn't mean to stare but her top was becoming more and more see-through as she got further into the water.

"Hey Jake" She said with a devious smile.

"Ahem, hey, uh, bella, um…" Come on dummy! Form actual words!

"Warm…wet? Reeeaally hot?" She said giggling and dipping her whole body into the water.
"You should hop in..it will help relax your sore muscles from lifting all those boxes" She said wearing a smirk no man could ignore.

I may be married, but I am not blind.

"Um…no I-I should be heading back to my house and get dinner started sorry" damn.

I started walking back to my hose when I heard my name being called.

"Jake! Wait." I turned around to see a wet running Bella in her barely there see-through bathing suit.

Hot damn.

" It's my first night here and I don't wanna be alone…can I come with you..please?"

I contemplated this in my mind and I couldn't just leave this scared girl here….but then again I couldn't not stare at her in that bikini…okay I'll do this for Charlie, yeah Charlie. I can't just leave his daughter here what kind of friend would that make me?

"Uh yeah sure. Go get changed and I'll be at my house"

"Thank you so much" She said jumping up and down and suddenly hugging me. "I'll be right back" and she went walking back to her house.

"Dear lord…please help me" I said to myself as I walked back to my house.

It was about 10 minutes later when Bella had arrived. In what else but a pair of short shorts and a thin white tank top…but this time there was no bra. I have no idea how I'm going to deal with this. And just as the phone rang I thought it was the best thing that could have ever happened. But turns out it was just Leah telling me she would need to stay at work later than expected and not to wait up for her. Just perfect.

"So Jake, now what?" Bella said sitting atop the counter slightly spreading her legs to sit crossed legged.

I didn't mean to look but there were no undergarments at all. She knows exactly what she's doing. And she was doing it well.

"Here I'm going to order a pizza, here's the money and I'm going to hop in the shower for a bit so just make yourself at home" I said while trying to avoid looking at her lady parts.

"Sure thing Jake" She said wearing that infamous smirk again.

In the shower I couldn't help but think about Bella and her gorgeous body. I'm a married man, I'm a married man Jake! I chanted over and over again. No such luck. I tried, but as soon as I thought of her my member began to come to life and stand at full attention. Geez control yourself man. Just as I was about to take care of myself, I heard a faint knock on the door.

"Jake? Um the pizzas here" I heard her soft voice.

"OH uhh alright I'll be out in a second!"

"Sure thing…take your time" I could hear the smirk in her voice.

Getting out of the shower, I wrapped my towel around my waist and started to head back to my room. And just my luck as I walked out of the bathroom Bella was coming to the bathroom for something and we collided and hit the floor. It all happened so fast that I didn't realize my towel ad slipped off and I landed right on top of her.

"Oh Bella sorry I um…" I landed on top of her and soaked right through her tank top and could visibly see her tiny pink nipples.

I looked down and my manhood was right up against her womanhood and we could both tell I was excited. I am still after all a man. I sat up reaching for my towel when she grabbed my hand and stopped me.

"Wait." She said very quietly.

And I froze.

She reached over to her top and pulled it up very slowly and revealed herself to me. I didn't look for fear I would do something I would later regret.
She then slowly leaned over and kissed my neck slightly.

"Jake" She said softly. She kissed me again. "Jake it's okay..I want you to"

I couldn't help myself I looked over and slowly leaned in to touch her. We were both breathing very heavily and I don't think anything at this point could slow it down. I knew it was wrong but I couldn't stop. I just had to quench this thirst I had been longing for.

"Ugghhhhh Jake" She moaned as I rubbed my finger over her nipple making it harden.

She moaned again when I did it to the other one and after that I knew what needed to happen. I needed her and she needed me. I grabbed her hand and pulled her up to me so she was straddling my lap.

"Bella…ughh um I'm not sure what's going on but I…I just…"

"Shh Jake..Just..here" She said as she took my hand and led it down to her warm, wet womanhood.

"Oohh" We both moaned as I touched her. She was so wet and it was all for me.

I began to slowly rub my fingers up and down her and she started to moan louder. It felt so good I needed to feel more. I then started to put my finger inside of her and we both moaned like we had never felt it before.

"Jaaaakkee oohh it feels so gooood" she started to say as I began to move my finger in and out of her.

I loved this feeling and I wanted more and more. I pulled my finger out of her and began taking her shorts off because I wanted to taste her. I got her shorts off and looked her over. She was beautiful. I began lowering my face toward her lower regions and she started to pant from excitement. One lick was all it took for me to realize that was the sweetest thing I have ever tasted in my life and just as I was about to go wild on her, the doorbell rang.

"Oh shit…" We said simultaneously.

A/N:Who could it be? And what are they going to do? Hehe pleeease leave your comments. And I welcome constructive criticism. Just not too harsh lol.