Mounted police officer Billie Mitchell has come back from the memories of war to a place of peace: a job she loves, partners she trusts, and a new home in Tacoma's rough and neglected Hilltop Area. But when a businessman is murdered and one of her neighbors becomes a suspect, her calm shatters yet again.

Heiress Merissa Karr has earned her own fortune working in urban renewal. After she witnesses her boss's murder, she becomes the next likely target, and for once, money can't buy her out of trouble. She needs to rely on Billie and other Hilltop residents--people who amount to nothing in her social circles--for her very survival.

On pristine polo fields and run-down city blocks, two worlds collide. Can hearts and minds open wide enough for acceptance and friendship to expand into love?