The golfer often met up with her in Las Vegas -- and even flew her to Los Angeles for trysts when his wife Elin Nordegren was out of town, she says.
"Every time we saw each other, it's like we became more and more comfortable with each other, it just became more of an actual relationship, a boyfriend-girlfriend relationship," she says.
Their year-and-a-half affair ended when a cash-strapped Jungers asked Woods to help her buy a house.
"He said, 'I can't,'" Jungers says. "I said, 'I don't understand.' I thought maybe he was joking. I was already embarrassed to ask about it. He said, 'I'm sorry, I can't.' And that's when I told him, 'That shows to me how much I mean to you, and I can't do this anymore. I'm already in a rough position in my life, and I have more drama and that's what I don't need.'"
Jungers says she has mixed feelings about whether she owes Nordegren an apology.
"Yes, and no; I mean, I wouldn't want somebody to do it to me, but I'm not going to take full blame for this," she says. "I never wanted this to come out, and I never would have said anything or I could have done it years ago."
Her attitude is different than Jaimee Grubbs, who told "Extra" she "felt guilty" sleeping with a married man.
"I couldn't describe how remorseful that I am to have hurt her family and her emotionally," Grubbs -- who was intimate with the golfer 20 times over about three years -- told "Extra."