Company: CIMO
Filing Date: 2025-10-01
Form Type: S-3ASR
Source: 0001193125-25-226772
Chunk: 2

Company: CHIMERA INVESTMENT CORP
Filing Date: 2025-10-01
Form: S-3ASR
Chunk 2
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press.

We are registering the resale of 2,077,151 shares of our common stock, issued to the selling stockholders by us in connection with our acquisition of Holdco
and HomeXpress, pursuant to the selling stockholders’ registration rights under a registration rights agreement between us and the selling stockholders. We will receive no proceeds from any sale of the shares of our common stock covered by
this prospectus by the selling stockholders, but we have agreed to pay certain expenses relating to the registration of such shares. See “Selling Stockholders” and “Plan of Distribution.” The selling stockholders, from time
to time, may offer and sell any or all of the shares held by them directly or through agents or dealers on terms to be determined at the time of sale, as described in more detail in this prospectus.

Our common stock is listed on the New York Stock Exchange (the “NYSE”), under the symbol “CIM.” The last reported sale price of our
common stock on the NYSE on September 29, 2025 was $13.50 per share.

To assist us in qualifying as a real estate investment trust
(“REIT”), for U.S. federal income tax purposes, our Charter provides that no person may own more than 9.8%, in value or in number of shares, whichever is more restrictive, of the outstanding shares of any class or series of our capital
stock, excluding any shares of capital stock not treated as outstanding for federal income tax purposes, unless our board of directors waives this limitation.

Investing in these securities involves risks. You should carefully consider the information referred to under the heading “ Risk Factors” beginning on page 3 of this prospectus.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

The date of this prospectus is October 1, 2025.

TABLE OF CONTENTS

| ABOUT THIS PROSPECTUS                                     |     |  ii |
| A WARNING ABOUT FORWARD-LOOKING STATEMENTS                |     | iii |
| ABOUT CHIMERA INVESTMENT CORPORATION                      |     |   1 |
| RISK FACTORS                                              |     |   3 |
| USE OF PROCEEDS                                           |     |   4 |
| DESCRIPTION OF COMMON STOCK                               |     |   5 |
| RESTRICTIONS ON OWNERSHIP AND TRANSFER                    |