His Christmas Pleasure by Cathy Maxwell

There some very involved relationships here. The heroine lusts after Sherwin who ends up getting engaged to Abby's cousin. He's really quite the worm - he & Abby would meet and had quite the little undercover (though entirely chaste) romance, but he won't run away w/ her and marry her to prevent her from an unwanted arranged marriage. And then gets engaged to her cousin. Jerk. Andres - our hero - overhears this and proposes to Abby himself. He's totally up front about needing to marry money. He's a total sweety, very kind, charming, hot guy from Spain. I loved both main characters. I love how they both supported each other even when times were tough and things didn't turn out exactly as they planned. Abby wasn't a whiner & Andres is so good to Abby and even when things don't work out for him, he never takes it out on her and says cruel things - as commonly happens in some novels under similar circumstances. All in all very good book. The ending is very good.