Grace Livingston Hill 
The White Lady [EPUB ebook] 

If there was one thing Constance Wetherill would not accept, it was pity. So when her family lost their fortune, she slipped away from town, determined to start a new life. And she succeeded wonderfully! Not only did she establish a thriving business, she discovered the wonder of service to Christ—and found love with a dedicated young minister.
Then the night of the great fire threatened to take it all away from her…