Snowfall — J. Kathleen Cheney

(Tales from Hawk's Folly Farm #3) Lourdes Medina has left everything she knows. Following a vision in a dream, she's gone north to Saratoga Springs to buy back the mare her brother sold out from under her. But the horse's new owner, Finn, makes her an interesting offer in return for the horse. Against her better judgment, Lourdes becomes entangled in his family's problems…and it seems she's unwittingly gained an enemy, a woman who will go to any length to get the husband she wants.

But Finn is a mystery. He seems to have abilities that she's never seen before, including the ability to overhear her speaking to horses. It's Lourdes' one small magic--she can speak directly to a horse, mind to mind, and they obey her word. When she learns the truth about Finn, that's when things truly become complicated. What exactly is a puca?