A Love to Have and to Hold by Linda Ford

Josie Kinsley was adopted when she was twelve. There are things in her past she doesn’t want anyone to know, things that drive her to seek security. She only wants to be a self-sufficient, independent young woman. She refuses the interest of the many cowboys who enter the home.
Walker Jones’s family was broken up when he was a kid. He has no use for secrets. He ends up at the Kinsley home when he is robbed and pistol whipped. He overhears Josie telling someone that if she ever married, it would not be a homeless, penniless cowboy. Which is exactly what he is. And the very reason a former love interest refused him.
Both Josie and Walker know the other person is not what they need. Walker senses Josie harbors a secret. And yet, as they spend time together, he is attracted to her strong spirit and her loyalty to her adopted family. Josie sees in him a man who is hard working, kind, and fun to be with. But he is a wanderer and she wants a permanent home.
Will the truth destroy their growing affection or will they learn that it is not the past that matters but what the future promises?