Company: CIMO
Filing Date: 2025-10-01
Form Type: S-3ASR
Source: 0001193125-25-226772
Chunk: 5

Company: CHIMERA INVESTMENT CORP
Filing Date: 2025-10-01
Form: S-3ASR
Chunk 5
---
 ability to comply with extensive government regulation, including federal and state consumer lending 
 regulation that have become applicable to us as a result of our acquisition of HomeXpress;               |

| • |     | the impact of and changes in governmental regulations, tax law and rates, accounting guidance, and similar 
 matters;                                                                                                   |

| • |     | our ability to maintain our exemption from registration under the Investment Company Act of 1940, as 
 amended;                                                                                             |

| • |     | our ability to maintain our classification as a REIT, for U.S. federal income tax purposes; |

| • |     | the volatility of the market price and trading volume of our shares; |

| • |     | our ability to make distributions to our stockholders in the future; and |

| • |     | delays and/or unforeseen events that could cause the HomeXpress Acquisition to be delayed or not consummated. |

Forward-looking statements are based on our beliefs, assumptions and expectations of our future performance, taking into account all information currently available to us. You should not place undue reliance on these forward-looking statements. These beliefs, assumptions and expectations can change as a result of many possible events or factors, not all of which are known to us. Some of these factors are described under the caption “About Chimera Investment Corporation” in this prospectus and under the caption “Risk Factors” in our most recent Annual Report on Form 10-Kfor the fiscal year ended December 31, 2024 and our subsequent Quarterly Reports on Form 10-Q,which are incorporated by reference into the prospectus, as well as the other information contained or incorporated by reference into this prospectus. If a change occurs, our business, financial condition, liquidity, results of operations and prospects may vary materially from those expressed in our forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made. New risks and uncertainties arise from time to time, and it is impossible for us to predict those events or how they may affect us. Except as required by law, we are not obligated to, and do not intend to, update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. iv

ABOUT CHIMERA INVESTMENT CORPORATION

General

We are a publicly traded REIT whose principal
business objective is to provide attractive risk-adjusted returns and distributable income through investment performance linked to mortgage credit fundamentals. We are primarily engaged in the business of investing for our