MICHAEL Lohan is a heartless, two-timing louse, says a sexy Long Island divorcee who claims she had an “intimate, loving relationship” with Lindsay Lohan’s ex-con dad for the past four months, only to find out this week he had another girlfriend.

“I’m really hurt. I fell in love with this man. Then I find out he has someone else,” Virginia Bertolino, 41, a real estate broker for Century 21 in Jericho and mother of three daughters, told Page Six.

“We met in family court on June 25, and ever since we had been dating. We spent the Fourth of July on the beach near the Crescent Club in Bayville. It was very hot and heavy, and I saw him almost every day in the beginning. We fell in love – there was ‘I love you’ and everything. He told me that he was going to change my life. He’s very sexual, I thought we had great sex. Sex is very important with him.”

But this week, Michael began crowing about his new girlfriend Erin, a Lindsay look-alike, and pictures of them surfaced in Utah, where he was visiting his rehabbing daughter. Bertolino (pictured) said, “I spoke to him just before he left for Utah and everything seemed fine – and then this.”

She says she was particularly jolted because Michael has become an ordained minister. “When he was melancholy once, I asked him, ‘Is there someone else in your life?’ He said, ‘Yes.’ I said, ‘Who is that?’ and he said, ‘God.’ He betrayed me.

“My friends met him, my parents met him. I know his mother likes me, his sister likes me. What are they going to say now? When we first met, I knew he was Lindsay Lohan’s dad and that was a little exciting, but I’m not a user. I’m a responsible woman in the community . . . What kind of game is he playing? I want the whole world to know about him.”

Michael told us yesterday that Bertolino is “a friend of mine,” and admitted he met her family. But he vehemently denied having sex with her and then went on the attack: “I never went out with Virginia Bertolino. This woman is a liar. She’s neurotic.”

So…the question is, do you believe her?