Daring to Dream by Nora Roberts

Laura Templeton, Kate Powell and Margo Sullivan have been the best of friends since circumstances threw them together as children. Laura is the beloved daughter of the wealthy Templetons, owners of an international chain of hotels; Kate is an orphaned cousin raised on the Templeton Estate; and Margo is the beautiful and spirited daughter of the family's housekeeper. Margo's been offered the same privileges as the Templeton children, but she resents handouts... Margo dreams big - she wants wealth, fame, and success - but she doesn't want anyone else's help. Wanting to go as far away from home as possible, she starts with Hollywood and then moves to Europe, where she finds fame as a supermodel. But when her world crashes down around her, she comes home to the arms of her friends devastated and broke... Then, unexpectedly, the long dormant passion between her and Laura's older brother, Josh, heats up.