I'm a 21yr old teen. Need some help before i consult a doctor.

This is my 1st I pull back my foreskin. Well... when it was flaccid that is.. After pulling the skin back (behind the head). I feel that my penis is bigger and i am unable to pull the skin back to cover the head.

It gets painful when i erect, the frenulum hurts... What will happen if the frenulum tears?.

Is it too late to do skin stretching?. Will Beta Mometasome Furoate work for me?.