In Loving Chloe, JoAnn Mapson continues the story of two unlikely lovers that she began in Hank & Chloe. As the novel opens, Chloe arrives in her truck at Hank's Arizona cabin with her beloved dog beside her and her horse in tow. After a three-month separation, Hank learns that Chloe is pregnant with his child.

Hank and Chloe settle into tentative domesticity as Chloe resists Hank's attempts to subdue her restlessness. Against doctor's orders, Chloe secretly continues to ride a horse boarded at the reservation school where Hank finds a teaching job. When Junior Whitebear, the horse's owner and an acclaimed Navaho artist, returns to the reservation, he arrives in time to deliver Chloe's premature baby.

Junior did not return to the reservation looking to fall in love with Chloe. But while Chloe continues to love Hank, she can not deny her fierce attraction to Junior. As for Junior, he discovers not only his love for Chloe, but for her infant daughter and for his newly discovered son, one of Hank's devoted students.

At the same time that they learn what it means to be parents, Chloe, Hank, and Junior grapple with relationships over their own parents: Junior is haunted by memories of his deceased parents, Hank is forced to deal with the terminal illness of his mother, and Chloe must decide whether or not she wants to meet the mother who abandoned her as a toddler. Chloe must decide, too, how she will choose between the two men she loves.