Shawn Gerhardson,  Top Rated Mortgage Professional (Waterstone Mortgage NMLS#186434) Mortgage and Lending



Shawn Gerhardson
Top Rated Mortgage Professional
location_on Cambridge, MN — Waterstone Mortgage NMLS#186434
NMLS# 274129
Get to Know Shawn Gerhardson


Looking for a home loan? You've come to the right place!

When you decide to buy a home or refinance a mortgage in Minnesota or Wisconsin your search for a home loan or mortgage should start and end here.  With so many lenders to choose from here and nationally, you need to choose one you can trust to find the mortgage loan that's best for you.

Sure, there are dozens of big bank mortgage lenders nationally, but you need Us. Why?  Because we know Minnesota  and Wisconsin like the back of our hand! We know the local REALTORS®, appraisers, inspectors, and so much more.  We also have state-of-the-art technology that makes the loan process as easy and fast as possible, all while delivering personal customer service that can't be beat.  Don't gamble your family's largest investment with a big name lender and a telemarketing Loan officer at some out-state call center that may not know Minnesota and Wisconsin properties

Choose us, the Minnesota and Wisconsin mortgage and loan specialists!

Home loans or mortgages in Minnesota and Wisconsin
We'll help you find the perfect home loan or mortgage.

Refinance loans, or refinancing your current home in Minnesota and Wisconsin
We help Minnesota families lower their mortgage payments and/or lock in lower interest rates for their home loans every day.

We will give you the personal attention you deserve and treat you as a valued customer. Give us a call or apply online now!








We are committed to helping you make informed decisions regarding your financial future. Buying or refinancing a home is one of the most significant financial decisions that most of us make. It is critical to consider short and long term financial priorities when deciding how to finance your home. That's why I do a complete financial assessment of your goals in order to provide financing options that are customized for your personal situation.

With more than 15 years of experience in the mortgage industry, We have extensive product knowledge including Conforming, Conventional, FHA , VA , Rural housing and Non-Conforming Loans.  Contact me today to discuss your specific needs. We're sure that together we can find the best solution!



What my Clients and referral Partners are Saying
“Shawn is an outstanding Mortgage Lender! He really cares about his clients and is very knowledgeable about the market. I refer my clients to Shawn because I know they will be taken care of and the transaction will go smoothly. I also enjoy Shawn's networking and technology skills he is AWESOME at both.”August 17, 2012 Amy Lazere, Realtor, Coldwell Banker Burnett “Thanks to Shawn's help, our mortgage payment has gone down almost $200 a month. It sure helps!” Jill Reller , Owner-Signs by Jill "Thank you so much. You went Above and Beyond! We are happy to be in our own home. Bob and Petie -Mora, MN “Shawn and his son, Caiden, are students and friends of mine. As a member of the local BNI group, Shawn has also given me recommendations for other reliable people in the community to do business with. I hope to work with Shawn and his company in the next year to refinance my home, as I believe them to be a very trustworthy and loyal part of Cambridge, MN and the surrounding area!” Joel Pennington, Owner, Teacher, Guitar repair, Guitar Shop Cambridge “I met Shawn while I was a Program Coordinator for CMHP. Shawn volunteers to teach first time homebuyers for CMHP's Home Stretch (Homebuyer Education) classes. He is a trustworthy person who cares unconditionally about his clients. He wants his clients to be well educated and to make choices that are healthiest for their family, life and future. Shawn is an extremely knowledgeable person whose love for his job and his clients truly shines through when he is educating others. I highly recommend Shawn for any of your needs!” Stacy Esboldt, CSP, Program Coordinator, Central Minnesota Housing Partnership Shawn, Thank you so much for making it possible for us to get our first home. No other mortgage company even wanted to help us. Thanks for answering all of our questions and concerns. We love our new home and would not be here without your assistance. Thanks again for what you do! Justin & Nicole- Rush City, MN Thanks for all of your hard work regarding the purchase of Derek and Chris' home. Everything went so smoothly! Thanks to you. Have a good Day! Sharon- Cambridge MN “Shawn is REALLY knowledgeable. It's a huge asset!” Beth Knudtsen-Spears, Classical Homeopathy “Shawn Gerhardson looks after his clients as if they were his own family. He will do whatever he can to get the best fit for you whether it's your first mortgage, or a refinance situation.” Pam Sikkink, Admin. Asst./Secretary, Dean's Heating & Air Conditioning, Inc. “Shawn Gerhardson has been great to work with and always provides my clients with exceptional service! He is ethical, personable, and reliable and I look forward to referring my clients to him for their real estate finance needs. Carrie Gibbs, Broker Century 21 Moline Realty, Inc “Shawn and Angie are huge assets to housing industry and I recommend them to anyone needing to purchase their new home or refinance their current one! Check them out for yourself!” Julie Jarnot, Cambridge Star Newspaper “Shawn is a very good Loan Officer, he is positive with clients and goes above and beyond in servicing and making sure the buyer understands the process. Debbie Bradley, Realtor, Century 21 Moline Realty “Shawn is a caring, customer -oriented mortgage professional who works hard to make sure all his customers get the best possible mortgage solution. His product knowledge, attention to detail and work ethic make sure that his customers' loans close on time and with as little hassle as possible. In spite of all the changes and challenges in our industry, Shawn remains on top. I highly recommend Shawn to any real estate professional or homebuyer.” Todd Gunderson, Retail Production Manager “Shawn’s producesgreat results every time he is very personable and always goes the extra mile for my clients. He is an expert in his field and I trust him 100% and highly recommend him.” Autumn Mattson , Realtor Coldwell Banker Pro IV Realty “Shawn not only knows his business well he also goes above and beyond for his clients. He has worked on two mortgage projects for my family this last year. During that process he hunted down every opportunity available for mortgages and explained it all in language we could understand! Furthermore, he steered my family in directions that were best for us rather than best for him and that spoke volumes to us regarding Shawn's integrity! We are so thankful for Shawn!” Joy Morlock, LPC, Navigate with Joy Coaching and Counseling “Shawn does an excellent job answering any questions that customers may have and being there for them through the whole closing process. He is detail oriented, and friendly.” Stefanie Peterson, Agent, Oakwood Insurance Agency, Inc. “Shawn currently an Ambassador with BNI and I have the great fortune to work directly with him in my BNI groups. He is passionate about teaching others how to use word-of-mouth networking to grow their business. Shawn's overall knowledge of how to make this type of marketing work and his excitement to pass this knowledge on makes him an excellent resource.” Marta Bradshaw, Assistant Director, BNI “Shawn is a quality individual. He is passionate about his business and he is a very hard working individual - with values. I would welcome the opportunity to have Shawn as a teammate!” Coleen TeBockhorst, Branch Manager “I've used Shawn twice to help me with my mortgage and again to refinance. He certainly went out of his way to get things done and felt he was really on my side in the deal. Also, helped to make sure I understood exactly what was needed for my situation.” Ryan Snodgrass, Financial Advisor Edward Jones Thank you for all your hard work to help us get into the perfect home for our family. We are very happy here. You are good at your job. Happy my Dad told us to come to you! Have a great Summer with your family! Jody, Amy, Joshua and Jonas-North Branch, MN “Shawn has done a stellar job helping my clients securing financing for their home purchases. If it is something he believes that may be difficult or may not be possible, he admits it honestly. He is willing to help clients even if they don't qualify right now, and has helped some of my clients get to where they need to be to qualify for a mortgage.” Joslyn Solomon, Realtor Century 21 Moline Realty “Shawn is a dynamic and engaging business professional that really hold his client’s needs above all else. Shawn exhausts all resources possible when trying to find the right mortgage for his clients. Shawn wastes no time and has the answers to client’s questions quickly.” Lisa Clausen, Owner, Budget Blinds of Cambridge “Shawn is a hands on type of manager. He can see the long term goal and break it down into smaller, more manageable tasks. He has the potential to be an excellent team leader with his communication skills and easy going personality. He knows what needs to be done in various situations and has the perseverance to see the mission through to completion.” Lyle Johnson, Owner, Gold Nugget Computer Services “Shawn is experienced and has exceptional customer service. He has great knowledge of the mortgage programs which is a benefit to his clients. I recommend Shawn as a professional home mortgage consultant.” Chad LaRoche, Stewart Title "I feel you provide an excellent service. I have never had a mortgage go so easy. What typically is stressful was seemingly transparent to us. I would highly recommend your service to others. Thanks again." Steve T-North Branch MN “Shawn is an extremely qualified mortgage originator - experienced and knowledgeable on all products. He is thorough and timely!” Twila Hanks, Mortgage Advisor/VP “Shawn takes a comprehensive approach to the ever changing mortgage industry. He is thorough and excels at listening to his clients and will do the "right thing" for them. I strongly recommend Shawn whether a first time home buyer or someone purchasing/refinancing their 20th property - Shawn is the guy!” Ken Kaufman, President, Armor Credit Services LLC “Shawn and Angie's knowledge of the mortgage industry is unsurpassed. Their years of experience and professionalism lock out their competition. You two are amazing!” Jolena Axberg, Owner Jolena’s Music Studio “In this ever so challenging market, it is more important than ever to make sure your loan officer is watching out for your best interest. As a closer I have worked with several different lenders and I have to say that I would highly recommend Shawn Gerhardson as your loan officer. Not only will he try and get you the best deal but you will get the best service as well. I have closed loans for him that would have NEVER closed had it not been for Shawn. He truly works miracles!” Brenda Evans, Executive Closer, Home Title “Shawn is a detailed loan officer that works hard for you. He is in Cambridge, MN and will try hard to get your loan done for you in a professional manner.” Jeana Mikyska, Realtor, Coldwell Banker Results

With over 15 years in the Minnesota and Wisconsin Mortgage Industry, I have the experience you need. You will get the best service in the mortgage industry guaranteed.