Race The Dawn by Katharine Kincaid

RACE THE DAWN: With mortgage payments long overdue and the bank threatening foreclosure on her family’s farm, feisty, flame-haired Maddie McCrory follows in her father’s footsteps by racing his famous ‘short horse’ stallion, Gold Deck, against all comers… Chase Cumberland, newly arrived from Texas with his scruffy mare, Bonnie Lass, seems an unlikely threat to Maddie’s dreams of security for her family—until the first match race pitting Bonnie Lass against Gold Deck. Only then does Maddie realize that she may lose everything she possesses—including her closely guarded heart—to this mysterious, compelling stranger and his fabulous, wonder horse…