Julia Stonecypher has recently lost her husband and her job. The coming Christmas holidays already look bleak for her and her two daughters. But then things get worse! The vice-president of the local bank, Brian Harding, turns up to tell her that her house is being repossessed and she will be homeless. Brian just wants to tell the family bad news and get away, but a snowstorm makes his car slide into a ditch and he is injured. Forced to take refuge from the storm, he returns to Julia's house and the four of them are trapped together in the isolated house. An unlikely romance flares up, fuelled by the romantic atmosphere and Christmas time. But when the storm has passed, will Brian leave Julia and her children alone again? Or will the love of Christmas carry into the New Year and beyond?