Company: MFAN
Filing Date: 2025-12-12
Form Type: S-8 POS
Source: 0001104659-25-120645
Chunk: 1

Company: MFA FINANCIAL, INC.
Filing Date: 2025-12-12
Form: S-8 POS
Chunk 1
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     | ¨ (Do not check if a smaller reporting company) |     | Smaller reporting company |     | ¨ |
| Emerging growth company |     | ¨                                               |     |                           |     |   |

If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 13(a) of the Exchange Act. ¨

<div align='center'>EXPLANATORY NOTE</div>

MFA Financial, Inc. (the “Company,”
“we” or “our”) is filing this post-effective amendment to deregister the shares of common stock, par value $0.01
per share (“Common Stock”), of the Company, previously registered under the Company’s registration statement on Form S-8
No. 333-224986 (the “Registration Statement”), which registered the offering of 400,000 shares of Common Stock and an
indeterminate number of interests pursuant to the Company’s 401(k) Savings Plan (the “Plan”).

Effective after 4:00 p.m. Eastern Time on
December 1, 2025, investing in our Common Stock ceased to be an investment option under the Plan, and from and after such time and
date through December 5, 2025, all balances invested in our Common Stock and related plan interests were liquidated. Accordingly,
no offers or sales of shares of Common Stock under the Plan or any related plan interests related thereto are required to be registered
under the Registration Statement. The Company hereby terminates the effectiveness of the Registration Statement, and the Registrant hereby
deregisters all shares of the Common Stock and all related plan interests registered pursuant to the Registration Statement that remain
unsold or unissued as of the date hereof. The Registration Statement is hereby amended, as appropriate, to reflect the deregistration
of such Common Stock and related plan interests.

<div align='center'>SIGNATURES</div>

Pursuant to the requirements of the Securities Act of 1933, as amended,
the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and
has duly caused this post-effective amendment to the Registration Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of New York, State of New York, on December 12, 2025.

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