Back story: met a girl in the street, got her number, texted back and forth for a week or so, and met up with her. She's a college girl who lives at home. We went to a few different places (pool hall, bar w/patio, bar w/band) and ended up going back to my place.

We get to my place, things are getting hot, I reach below the belt and she pushes my hand away. Ok, fine. I wait a little bit, things start getting hotter, but the same thing happens. She eventually says "I have to go home. You're just going to have to be patient with me." I said ok and took her home. I figured this was game over.

We end up meeting up the next day and the same thing happens. Back at my place, she's getting hot again, then her dad won't stop calling her phone because she should be home by now. This was legit so I said ok and she left. Game over for sure.

Then she calls me and asks if we can meet up even though I'm really busy. I made some time for her, we ended up making dinner and, of course, things get hot. Far hotter than before. Her words were "nobody's made me feel this way before. I'm going to need a cold shower when I get home" and I hadn't gone below the belt. So I went for it and she grabs my hand away again.

I'm thinking one of two things: a) she's a virgin and is afraid (fair), or b) her ex was retarded and ruined her for the rest of us. We're meeting up again soon....how should I deal with this? Right now I'm just going to ask her point blank if its option a....I would much rather know if this is the case because it vastly changes my game plan.

If she won't give me a straight answer then I'm going to tell her (without being a dick) that I don't want to play these games and move on if she doesn't get it.

TL;DR: made out with girl at my place 3 times and she still won't let me put my hands down her pants even though "no one has ever made her feel this way before".