If Wishes Were Horses — Curtiss Ann Matlock

When Etta River's two-timing husband died in another woman's bed, he left his young widow pregnant and alone on a ranch mired in debt. But on the day of the funeral, a drifter named Johnny Bellah walks into her life. Etta thinks he's just another worthless cowboy, but Johnny has the golden touch as far as raising champion horses is concerned. And as they work together to save Etta's home and livelihood, they find the tender love they both need to heal their wounded hearts.