Charity Courtney is at her wit's end trying to save her boardinghouse from a bank foreclosure. Short of money but not short of marriage proposals, she dreads putting aside her fairy tale dreams of love and having to settle for a marriage of convenience. But with the need to provide for her two younger sisters, she doesn't have any other options. While visiting Fairplay, wealthy railroad magnet Hudson Vanderwater hears of Charity's plight. Although he comes across as cold and calloused, he is drawn to helping women in need because of a tragedy that destroyed his sister. He concocts a plan that will save Charity-he'll employ her and rent her boardinghouse for the month and in doing so alleviate her debt. With a grumpy and demanding new boarder who is now her boss, Charity determines to hold the handsome Hudson at arm's length. But she's the sunshine for his stormy soul, and he can't resist being drawn to her. As danger closes in and threatens to destroy Charity, he'll stop at nothing to save her.