Once a homecoming queen, Mercedes returns to Gull Harbor bankrupt. Has New York broken her? In high school, she was out of reach for the guy nicknamed Goofy who helped her pass chemistry. Times have changed and so has Finn. Now he owns half the town and he's still into his uptown girl with her uppity ways. That New York boyfriend Mercedes moons over? History. Her life may have fallen in the cracks, but Mercedes can't deny this crazy attraction to Finn. But no summer fling for him. Finn wants forever. While Mercedes mucks out summer cottages and plans a triumphant return to Manhattan, he wangles his way into her heart. Is it too late for an uptown girl to learn the lasting power of homespun love?