The Ghost and Patrick Tomlinson — Jeanne Savery

Book 3 in The Ghost and Romance series. The late Lord Everston's heir doesn't know whether to bless or curse his benefactor. Patrick Tomlinson, afraid of horses since childhood, has been left a lodge in hunt country in the midst of the most horse-mad of men. Worse, he must live there a year if he's to inherit. Local women are also enamored of the fearsome beasts. Lovely Lady Kathryn Breden, his neighbor, is definitely horse-mad. Kathryn, discovering his fear, is determined Patrick will overcome it and learn to ride. But their lives and growing love are complicated by an uncle who, coveting Kathryn's fortune, sets hurdles in their way, encouraging a marriage between Kathryn and his son.