In a magnetic resonance (MR) method and apparatus for determining an MR image or an MR fat image of an examination subject, first and second MR signal datasets are provided to a computer, respectively obtained at first and second echo times. The computer defines a signal model and determines possible solution candidates for values of parameters of the signal model for each pixel of the two MR signal datasets so that the MR signals thereof are matched as well as possible. A correct solution is selected from the solution candidates, using a calculated phase map, based on predetermined assumptions regarding the calculated phase map. The MR water image or the MR fat image is determined using the correct solution.