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On a snowy, frigid Christmas Eve in Minnesota, a heating technician makes an emergency call to a townhome without heat. Don is unable to repair the unit and tells Becky, the occupant, she must vacate the premises and stay in a hotel for her own safety. Becky breaks down and tells Don she has no money and no place to go. She has no friends or family locally and has maxed out her credit cards relocating from San Diego. Don invites her to stay with him until the furnace can be replaced.
Don is smitten by her good looks and warm, inviting manner. He begins to fantasize about a romantic connection, but is restrained by a crippling fear of his sexual inadequacy. Safe at his apartment, Becky turns up the heat on the shy divorcee. Can she melt his fears of intimacy and give him an unforgettable Christmas?