At First Glance by Susan L. Tuttle

This is a wonderful story of a woman who learns the value of estimating men for more than they are. She finds two men who are interested in her romantically, but she finds she underestimates the value of the true gem, because he doesn't come in a shiny package. The shiny package, she overlooks his faults and in the end find his faults outweigh his worth. The problem for Penny is that her family under estimated her worth, and she has the wrong ideas about her own worth.