8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): December 17, 2020

HUNT COMPANIES FINANCE TRUST, INC.

(Exact name of registrant as specified in its charter)

Maryland	001-35845	45-4966519
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification Number)

230 Park Avenue, 19th Floor

New York, New York 10169

(Address of principal executive offices)

(212) 521-6323

(Registrant’s telephone number, including area code)

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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.  ¨

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.01 par value	HCFT	New York Stock Exchange

Item 1.01          Entry into a Material Definitive Agreement.

On December 17, 2020, Hunt Companies Finance Trust, Inc. (the “Company”) entered into a Trademark License Agreement (the “License Agreement”) with ORIX Real Estate Capital Holdings, LLC d/b/a Lument (“Lument”), wherein Lument granted to the Company a fully paid-up, royalty-free, non-exclusive, non-transferable license to use certain of Lument’s trademark rights as part of the Company's use of the name “Lument Finance Trust, Inc.” and in its domain names. Under the License Agreement, the Company will have a right to use this name and its domain name for so long as OREC Investment Management, LLC d/b/a Lument Investment Management (the “Manager”) (or another affiliate of Lument) serves as its manager pursuant to the management agreement and its manager (or another managing entity) remains an affiliate of Lument. The License Agreement may also be earlier terminated by either party as a result of certain breaches or for convenience upon 90 days’ prior written notice. Lument and its affiliates retain the right to continue using the “Lument” name. In the event that the License Agreement is terminated, the Company will be required to change its name and domain names and cease using the “Lument” name. The description of the License Agreement in this Item 1.01 is qualified in its entirety by reference to Exhibit 10.1, which is filed with this Current Report on Form 8-K and is incorporated herein by reference.

Item 5.03          Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.

On December 18, 2020, the Company filed an Articles of Amendment (the “Amendment”) with the Maryland Department of Assessments and Taxation to change its name to “Lument Finance Trust, Inc.” which change shall take effect at 8:00 a.m. (Eastern Time) on December 28, 2020.

The description of the Amendment in this Item 5.03 is qualified in its entirety by reference to Exhibit 3.1, which is filed with this Current Report on Form 8-K and is incorporated herein by reference.

Item 7.01          Regulation FD Disclosure.

On December 18, 2020, the Company issued a press release (the “Release”) announcing the declaration of a cash dividend of $0.09 per share of common stock with respect to the fourth quarter of 2020, as further described in the Release. A copy of the Release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

On December 18, 2020, the Company made available via its website an investor presentation. A copy of the presentation is furnished as Exhibit 99.2 to this Current Report on Form 8-K.

On December 21, 2020, The Company issued a press release announcing the declaration of a special cash dividend of $0.04 per share of common stock (“Special Dividend Press Release”), as further described in the Special Dividend Press Release.  A copy of the Special Dividend Press Release is furnished as Exhibit 99.3 to this Current Report on Form 8-K. 

The information disclosed under this Item 7.01, including Exhibits 99.1, 99.2 and 99.3 hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, as amended (the “Exchange Act”) or otherwise subject to the liabilities of such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”) or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01          Exhibits.

(d)       Exhibits.

3.1	Articles of Amendment
10.1	Trademark License Agreement, dated December 17, 2020
99.1	Press Release of Hunt Companies Finance Trust, Inc., dated December 18, 2020.
99.2	Investor Presentation of Hunt Companies Finance Trust, Inc.
99.3	Press Release of Hunt Companies Finance Trust, Inc., dated December 21, 2020
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Hunt Companies Finance Trust, Inc.
Date: December 21, 2020	By:	/s/ James A. Briggs
		James A. Briggs
		Chief Financial Officer

EX-3.1

Exhibit 3.1

ARTICLES OF AMENDMENT

OF

HUNT COMPANIES FINANCE TRUST, INC.

Hunt Companies Finance Trust, Inc., a Maryland corporation (the “Corporation”), hereby certifies to the State Department of Assessments and Taxation of the State of Maryland that:

FIRST: The Corporation desires to amend its charter as currently in effect.

SECOND: The charter is hereby amended by deleting the text of Article II in its entirety and inserting the following in place thereof:

The name of the corporation (the “Corporation”) is:

Lument Finance Trust, Inc.

THIRD: The foregoing amendment to the charter of the Corporation will be effective as of 8:00 a.m. (Eastern) on December 28, 2020.

FOURTH: The foregoing amendment to the charter of the Corporation has been unanimously approved by the board of directors of the Corporation and the amendment is limited to a change expressly authorized by § 2-605 of the Maryland General Corporation Law to be made without action by the stockholders of the Corporation.

FIFTH: The undersigned President acknowledges these Articles of Amendment to be the corporate act of the Corporation and, as to all matters or facts required to be verified under oath, the undersigned President acknowledges that, to the best of his knowledge, information and belief, those matters and facts are true in all material respects and that this statement is made under the penalties for perjury.

IN WITNESS WHEREOF, the Corporation has caused these Articles of Amendment to be executed under seal in its name and on its behalf by its President and attested to by its Secretary on this 17^th day of December 2020.

ATTEST:	HUNT COMPANIES FINANCE TRUST, INC.
/S/ James J. Henson	/S/ Michael P. Larsen	(SEAL)
James J. Henson	Michael P. Larsen
Secretary	President

EX-10.1

Exhibit 10.1

TRADEMARK LICENSE AGREEMENT

This TRADEMARK LICENSE AGREEMENT (“Agreement”) is made and entered into as of December 17, 2020, by and between ORIX Real Estate Capital Holdings, LLC, doing business as “Lument” (“Licensor”) and HUNT COMPANIES FINANCE TRUST, INC., a Maryland corporation (“Licensee”).

RECITALS

WHEREAS, Licensor is the owner of the service mark, corporate name and trade name “Lument” and “Lument – An ORIX Company”, including as embodied in U.S. Trademark Serial Nos. 90211577 and 90090549 and any registrations that may be granted pursuant to such applications; in each case including goodwill associated therewith and all common-law rights related thereto (collectively, the “Licensed Marks”);

WHEREAS, Licensee is a real estate finance company that conducts its operations as a real estate investment trust (the “Licensee Business”);

WHEREAS, Licensee and OREC Investment Management, LLC d/b/a Lument Investment Management, a subsidiary of Licensor (the “Manager”) entered into that certain Management Agreement dated as of January 3, 2020 (as the same may be amended, modified or otherwise restated, the “Management Agreement”), pursuant to which, Licensee engaged the Manager to act as the manager of Licensee; and

WHEREAS, Licensee desires to brand the Licensee Business using the Licensed Marks and Company Name (as defined below), and Licensor is willing to permit Licensee to use the Licensed Marks and Company Name, subject to the terms and conditions of this Agreement.

NOW, THEREFORE, in consideration of the premises and the mutual promises and covenants contained herein and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties agree as follows:

Article I

GRANT OF RIGHTS; SUBLICENSING

Section 1.1             License Grant.

(a)            Subject to the terms and conditions herein, Licensor hereby grants to Licensee a fully paid-up, royalty-free, non-exclusive, non-transferable (subject to Article IX), worldwide license to use the Licensed Marks during the Term of this Agreement, solely (i) as a trademark, in connection with the Licensee Business or (ii) as part of the corporate name or trade name “Lument Finance Trust,” “Lument Finance Trust, Inc.,” or “LFT” or one of the entity names set forth in Schedule A hereto (including in the forms set forth on said Schedule A) (collectively, the “Company Name”). For clarity, the license in this Section 1.1(a) covers only the exact Company Name; Licensee shall have no right to use (A) the Licensed Marks standing alone, (B) any new trademark, corporate name or trademark containing the Licensed Marks or (C) any modification, stylization or derivative of the Company Name, in each case, without the prior written consent of Licensor in its sole discretion.

(b)            Subject to the terms and conditions herein, Licensor hereby grants to Licensee a fully paid-up, royalty-free, non-exclusive, non-transferable (subject to Article IX), worldwide license to use the Licensed Marks, during the Term of this Agreement, as part of the domain names LFT.com, lumentfinancetrst.com, lumentfinancetrust.com, lumentfinancialtrust.com and lft.com (collectively, the “Domain Names”). For clarity, the license in this Section 1.1(b) covers only the exact Domain Names; Licensee shall have no right to use (i) the Licensed Marks standing alone or (ii) any domain name containing the Licensed Marks other than the Domain Names, in each case, without the prior written consent of Licensor in its sole discretion.

Section 1.2             Sublicensing. Licensee shall not sublicense its rights under this Agreement except to a current or future subsidiary of Licensee; provided, that (a) prior written notice of such sublicensing shall be provided to Licensor, (b) no such subsidiary shall use the Licensed Marks as part of a name other than its name or the Company Name and (c) any such sublicense shall terminate automatically, with no need for written notice, if (x) such entity ceases to be a subsidiary of Licensee, (y) this Agreement terminates for any reason or (z) Licensor gives notice of such termination. Licensee shall be responsible for any such sublicensee’s compliance with the provisions of this Agreement, and any breach by a sublicensee of any such provision shall constitute a breach of this Agreement by Licensee.

Section 1.3             Subsidiaries. Neither Licensee nor any of its current or future subsidiaries shall use any trademark, corporate name, trade name or logo of Licensor (other than the Licensed Marks) without the prior written consent of Licensor in its sole discretion.

Section 1.4             Reservation of Rights. All rights not expressly granted to Licensee in this Agreement are reserved to Licensor.

Article II

OWNERSHIP

Licensee acknowledges and agrees that, as between the parties, Licensor is the sole owner of all right, title and interest in and to the Licensed Marks. Licensee agrees not to do anything inconsistent with such ownership, including (i) filing to register any trademark or service mark containing the Licensed Marks or anything confusingly similar thereto or (ii) directly or indirectly challenging, contesting or otherwise disputing the validity or enforceability of, or Licensor’s ownership of or right, title or interest in, the Licensed Marks (and the associated goodwill), including without limitation, arising out of or relating to any third-party claim, allegation, action, demand, proceeding or suit (“Action”) regarding enforcement of this Agreement or involving any third party. The parties intend that any and all goodwill in the Licensed Marks arising from Licensee’s or any applicable sublicensee’s use of the Licensed Marks shall inure solely to the benefit of Licensor. Notwithstanding the foregoing, in the event that Licensee or any permitted sublicensee is deemed to own any rights in the Licensed Marks, Licensee hereby irrevocably assigns (or shall cause such sublicensee to assign), without further consideration, such rights to Licensor together with all goodwill associated therewith.

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Article III

REGISTRATION

Licensor agrees that Licensee (and any permitted sublicensee) may register or may have registered the Company Name as a corporate name; provided, in each case that such registration shall not grant Licensee any interest in the Licensed Marks. Licensee has not and shall not register a domain name or a social media identifier containing or comprising the Licensed Marks without Licensor’s prior written consent, which shall not be unreasonably withheld, provided, that, (a) at Licensor’s option, Licensee may serve as the registrant or owner of record of such domain name or social media identifier, and (b) if Licensor allows Licensee to serve as the registrant or owner of record of such domain name or social media identifier, such registration shall not grant Licensee any interest in the Licensed Marks.

Article IV

USE OF COMPANY NAME AND LICENSED MARKS

Section 4.1             Quality Control. Licensee and its permitted sublicensees shall use the Licensed Marks, Company Name, Domain Names and the ticker symbol “LFT” (the “Ticker Symbol”) in a manner consistent with Licensor’s high standards of and reputation for quality, and in accordance with good trademark practice wherever any of the same are used. Licensee shall not take any action that could reasonably be expected to be detrimental to the Licensed Marks or the goodwill associated therewith. Licensee shall use with the Licensed Marks, Company Name, Ticker Symbol and Domain Names any applicable trademark notices as may be requested by Licensor or required under applicable laws, regulations, stock exchange and other rules (“Laws”) and reputable industry practice.

Section 4.2             Samples. Upon request by Licensor, Licensee shall furnish to Licensor representative samples of all advertising and promotional materials that use the Licensed Marks, Company Name, Ticker Symbol or Domain Names, in any media or format. Licensee shall make any changes to such materials that Licensor requests to comply with Section 4.1, or to preserve the validity of Licensor’s rights in the Licensed Marks.

Section 4.3             Compliance with Laws. Licensee shall, at its sole expense, comply at all times with all applicable Laws and reputable industry practice pertaining to the Licensee Business and the use of the Licensed Marks, Company Name, Ticker Symbol and Domain Names.

Article V

TERM AND TERMINATION

Section 5.1             Term. The term of this Agreement (“Term”) commenced on December 17, 2020 and continues in perpetuity, unless termination occurs pursuant to the other provisions of this Article V.

Section 5.2             Termination for Convenience. Either party may terminate this Agreement for any reason upon 90 days’ prior written notice to the other party.

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Section 5.3             Termination for Breach. If either party materially breaches one or more of its obligations hereunder, the other party may terminate this Agreement, effective upon written notice, if the breaching party does not cure such breach within 15 days after written notice thereof (or any mutually-agreed extension). Licensor may terminate this Agreement immediately, effective upon written notice, if (a) Licensee violates or attempts to violate Article IX or (b) a sublicensee materially breaches its sublicense in a manner that harms the Licensed Marks or Company Name, and (i) such sublicensee does not cure same within 15 days after notice from Licensor to Licensee or (ii) Licensee does not terminate such sublicense within 15 days after notice from Licensor.

Section 5.4             Termination of Management Agreement. This Agreement shall terminate automatically without notice and immediately if (a) Manager or another affiliate of Licensor is no longer acting as manager to Licensee under the Management Agreement or a similar agreement, or (b) the Manager is no longer an affiliate of Licensor. Upon notification of termination or non-renewal of the Management Agreement by Licensee to Manager, Licensor may elect to effect termination of this Agreement immediately at any time after 30 days from date of such notification. The term “affiliate” as used herein shall have the meaning given to such term in the Management Agreement.

Section 5.5             Termination for Bankruptcy. Licensor has the right to terminate this Agreement immediately upon written notice to Licensee if (a) Licensee makes an assignment for the benefit of creditors; (b) Licensee admits in writing its inability to pay debts as they mature; (c) a trustee or receiver is appointed for a substantial part of Licensee’s assets or (d) to the extent termination is enforceable under local law, a proceeding in bankruptcy is instituted against Licensee which is acquiesced in, is not dismissed within 120 days, or results in an adjudication of bankruptcy. In the event of any of the foregoing, Licensor shall have the right, in addition to its other rights and remedies, to suspend Licensee’s rights regarding the Licensed Marks, Company Name and Domain Names (and Ticker Symbol, to the extent permitted by applicable Law) while Licensee attempts to remedy the situation.

Section 5.6             Effect of Termination; Survival. Upon termination of this Agreement for any reason, (a) Licensee shall immediately, except as required by Law, (i) cease all use of the Licensed Marks, Company Name and Domain Names, (ii) at Licensor’s option, cancel or transfer to Licensor any corporate names, domain names or social media identifiers (and all registrations therefor), (iii) cease all use of the Ticker Symbol and (iv) destroy (or delete the Licensed Marks, Company Name, Domain Names and Ticker Symbols from) all existing materials in any media in its possession or control and bearing the Licensed Marks, Company Name, Domain Names or Ticker Symbols, in each case, at Licensee’s expense; and (b) the parties shall cooperate so as to best preserve the value of the Licensed Marks and Company Name. Article 3, this Section 5.6, Sections 7.2 and 7.3, and Articles VIII, IX and X shall survive termination of this Agreement.

Article VI

INFRINGEMENT

Licensee shall notify Licensor promptly after it becomes aware of any actual or threatened infringement, imitation, dilution, misappropriation or other unauthorized use or conduct in derogation (“Infringement”) of the Licensed Marks, Company Name, Domain Names or Ticker Symbol. Licensor shall have the sole right to bring any Action to remedy the foregoing, and Licensee shall cooperate with Licensor in same, at Licensor’s expense.

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Article VII

REPRESENTATIONS AND WARRANTIES; LIMITATIONS

Section 7.1             Each party represents and warrants to the other party that:

(a)            This Agreement is a legal, valid and binding obligation of the warranting party, enforceable against such party in accordance with its terms, subject to the effect of any applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting creditors’ rights and remedies generally, and subject, as to enforceability, to the effect of general principles of equity (regardless of whether enforcement is considered in a proceeding at law or in equity);

(b)            The warranting party is not subject to any judgment, order, injunction, decree or award that would interfere with its performance of any of its obligations hereunder; and

(c)            The warranting party has full power and authority to enter into and perform its obligations under this Agreement in accordance with its terms.

Section 7.2             EXCEPT AS EXPRESSLY SET FORTH IN SECTION 7.1, LICENSOR MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THIS AGREEMENT, THE LICENSED MARKS, THE COMPANY NAME, DOMAIN NAMES AND TICKER SYMBOL AND EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES, INCLUDING ANY WITH RESPECT TO TITLE, NON-INFRINGEMENT, MERCHANTABILITY, VALUE, RELIABILITY OR FITNESS FOR USE. LICENSEE’S USE OF THE LICENSED MARKS IS ON AN “AS-IS” BASIS.

Section 7.3             EXCEPT WITH RESPECT TO LICENSEE’S INDEMNIFICATION OBLIGATIONS UNDER SECTION 8, NEITHER PARTY WILL BE LIABLE TO THE OTHER PARTY FOR SPECIAL, INDIRECT, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR INCIDENTAL DAMAGES (INCLUDING LOST PROFITS OR GOODWILL, BUSINESS INTERRUPTION AND THE LIKE) RELATING TO THIS AGREEMENT, EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Article VIII

INDEMNIFICATION

Section 8.1             Indemnity by Licensee. Licensee will defend at its expense, indemnify and hold harmless Licensor and its affiliates and its and their respective directors, officers, employees, agents and representatives from any losses, liabilities, damages, awards, settlements, judgments, fees, costs or expenses (including reasonable attorneys’ fees and costs of suit) arising out of or relating to any third-party Action against any of them that arises out of or relates to (i) any breach by Licensee of this Agreement or its warranties, representations, covenants and undertakings hereunder; (ii) Licensee’s operation of the Licensee Business; or (iii) any claim that Licensee’s use of the Licensed Marks, Company Name, Domain Names or Ticker Symbol, other than as explicitly authorized by this Agreement, Infringes the rights of a third party.

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Section 8.2             Indemnification Procedure. Licensor will promptly notify Licensee in writing of any indemnifiable claim. Any delay in such notice will not relieve Licensee from its obligations to the extent it is not prejudiced thereby. Licensor will reasonably cooperate with Licensee at Licensee’s expense in the defense of any indemnified claim. Licensee may not settle any indemnified claim without Licensor’s prior, written consent, in Licensor’s sole discretion. Licensor may participate in its defense of an indemnified claim with counsel of its own choice at its own expense.

Article IX

ASSIGNMENTS

Licensee may not assign, transfer, pledge, mortgage or otherwise encumber this Agreement or its right to use the Licensed Marks or Company Name (or assume this Agreement in bankruptcy), in whole or in part, without the prior written consent of Licensor in its sole discretion, except for an assignment outside of bankruptcy to a successor organization that is solely the result of a name change by Licensee. For the avoidance of doubt, a merger, change of control, reorganization or sale of all or substantially all of the stock of Licensee shall be deemed an “assignment” requiring such consent, regardless of whether Licensee is the surviving entity or whether such transaction constitutes an assignment under applicable Law. Licensee acknowledges that its identity is a material condition that induced Licensor to enter into this Agreement. Any attempted action in violation of the foregoing shall be null and void ab initio and of no force or effect, and shall result in immediate termination of this Agreement. In the event of a permitted assignment hereunder, this Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns.

Article X

MISCELLANEOUS

Section 10.1           Notice. Any notices that may or are required to be given hereunder by any party to another shall be deemed to have been duly given if (i) personally delivered, when received, (ii) sent by U.S. Express Mail or recognized overnight courier, on the following business day, or (iii) delivered by facsimile transmission or electronic mail, when received:

LICENSOR:	LICENSEE:
ORIX Real Estate Capital Holdings, LLC	Lument Finance Trust, Inc.
10 W. Broad St., 8th Floor	230 Park Avenue, 19th Floor
Columbus, OH 43215	New York, New York 10169

Attention: General Counsel Attention: Chairman, Audit Committee,
Board of Directors

Section 10.2           Integration. This Agreement and Schedule herewith contains the entire agreement and understanding among the parties hereto with respect to the subject matter hereof, and supersedes all prior and contemporaneous agreements and understanding (including, without limitation, any prior agreements between the Licensee and Manager), with respect to the subject matter hereof. The express terms hereof control and supersede any course of performance and/or usage of the trade inconsistent with any of the terms hereof.

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Section 10.3           Amendments. Neither this Agreement, nor any terms hereof, may be amended, supplemented or modified except in an instrument in writing executed by the parties hereto.

Section 10.4           Governing Law. THIS AGREEMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. EACH OF THE PARTIES HERETO IRREVOCABLY AND UNCONDITIONALLY SUBMITS TO THE EXCLUSIVE JURISDICTION OF THE STATE AND FEDERAL COURTS LOCATED IN NEW YORK CITY FOR THE PURPOSE OF ANY ACTION OR JUDGMENT RELATING TO OR ARISING OUT OF THISAGREEMENT, AND TO THE LAYING OF VENUE IN ANY SUCH COURT.

Section 10.5           Waiver of Jury Trial. EACH PARTY HERETO ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND, THEREFORE, EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT TO ANY ACTION, DIRECTLY OR INDIRECTLY, ARISING OUT OF, UNDER OR IN CONNECTION WITH OR RELATING TO THIS AGREEMENT.

Section 10.6           No Waiver; Cumulative Remedies. No failure or delay by a party hereto to exercise any right, remedy, power or privilege hereunder shall operate as a waiver thereof; nor shall any single or partial exercise of any right, remedy, power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights, remedies, powers and privileges herein provided are cumulative and not exclusive of any rights, remedies, powers and privileges provided by law.

Section 10.7           Costs and Expenses. Each party hereto shall bear its own costs and expenses (including the fees and disbursements of counsel and accountants) incurred in connection with the negotiations and preparation of this Agreement, and all matters incident thereto.

Section 10.8           Section Headings. The section and subsection headings in this Agreement are for convenience in reference only and shall not be deemed to alter or affect the interpretation of any provisions hereof.

Section 10.9           Counterparts. This Agreement may be executed by the parties to this Agreement in any number of separate counterparts (including by .pdf or facsimile), and all of said counterparts taken together shall be deemed to constitute one and the same instrument.

Section 10.10         Severability. Any provision of this Agreement which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.

[Signature Page Follows]

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IN WITNESS WHEREOF, each of the parties hereto has executed this Agreement as of the date first written above.

ORIX Real Estate Capital Holdings, LLC
By:	/S/ James J. Henson
Name:	James J. Henson
Title:	General Counsel

Hunt Companies Finance Trust, Inc.
By:	/S/ Michael P. Larsen
Name:	Michael P. Larsen
Title:	President

[Signature Page to IP License Agreement]

SCHEDULE A

Lument Companies Finance Trust, Inc.

Lument CMT Equity, LLC

Lument Commercial Mortgage Trust, Inc.

Lument CMT Finance, LLC

Lument CRE 2017-FL1, Ltd.

Lument CRE 2017-FL1, LLC

Lument CRE 2017-FL1 Seller, LLC

Lument CRE 2017-FL1 Preferred, LLC

Lument CRE 2017-FL1 Advances, LLC

Lument CRE 2018-FL2, Ltd.

Lument CRE 2018-FL2, LLC

Lument CRE 2018-FL2, Seller, LLC

Lument CRE 2018-FL2, Preferred, LLC

Lument CRE 2018-FL2, Advances, LLC

EX-99.1

Exhibit 99.1

Hunt Companies Finance Trust Announces Dividend Increase and Name Change to Lument Finance Trust

NEW YORK, December 18, 2020 /PRNewswire/ -- Hunt Companies Finance Trust, Inc. (NYSE: HCFT) ("we", "HCFT" or "the Company") announced the declaration of a cash dividend of $0.090 per share of common stock with respect to the fourth quarter of 2020, which represents a 6% increase over the second quarter 2020 dividend of $0.085 per share and a 20% increase over the fourth quarter 2019 dividend of $0.075 per share. This is the Company’s second consecutive quarterly dividend increase and is payable on January 15, 2021 to stockholders of record as of the close of business on December 31, 2020.

The Company also announced today that it will change its name to Lument Finance Trust, Inc., effective December 28, 2020. In addition to the new corporate name, the Company expects to change its ticker symbol on the NYSE to “LFT” and anticipates that trading under the new name and ticker symbol will commence on December 28, 2020. This name change is a result of the rebranding of HCFT’s manager, which occurred in October 2020, from “OREC Investment Management” to “Lument Investment Management”. The company has posted an updated “Investor Overview” presentation that reflects the new brand to its website.

With regards to the rebranding, James Flynn, CEO of the Company, said, “We chose Lument, with its associations with light and energy, to emphasize that our Manager and its affiliated entities have the expertise, products, resources, and most importantly, the drive and determination to help guide our clients successfully, even during these uncertain times. We look forward to further enhancing the scale of the Company and generating shareholder value by leveraging Lument's expansive originations, asset management, and servicing platform.”

Mr. William A. Houlihan, the Company's lead independent director, stated, "We are encouraged by the Company’s continued partnership with ORIX USA and this rebranding effort.”

About HCFT

HCFT is a Maryland corporation focused on investing in, financing and managing a portfolio of commercial real estate debt investments. The Company primarily invests in transitional floating rate commercial mortgage loans with an emphasis on middle-market multi-family assets.

HCFT is externally managed and advised by OREC Investment Management, LLC d/b/a Lument Investment Management, a Delaware limited liability company.  For additional information about OREC Investment Management, LLC d/b/a Lument Investment Management, please see its Form ADV and brochure (Part 2A of Form ADV) available at https://www.adviserinfo.sec.gov.

About Lument

ORIX Real Estate Capital Holdings, LLC, d/b/a Lument, is a subsidiary of ORIX Corporation USA and is a leading national brand in commercial real estate finance. As the combined organization of legacy industry experts Hunt Real Estate Capital, Lancaster Pollard, and RED Capital Group, Lument delivers a comprehensive set of capital solutions customized for investors in multifamily, affordable housing, and seniors housing and healthcare real estate. Lument is a Fannie Mae DUS®, Freddie Mac Optigo®, FHA, and USDA lender. In addition, Lument offers a suite of proprietary commercial lending, investment banking, and investment management solutions. Lument has approximately 600 employees in over 25 offices across the United States. Securities and investment banking services are provided through OREC Securities, LLC, d/b/a Lument Securities, Member FINRA/SIPC. Investment advisory services are provided through OREC Investment Management, LLC d/b/a Lument Investment Management, an investment adviser registered with the U.S. Securities and Exchange Commission. For more information, visit www.lument.com.

Additional Information and Where to Find It

Investors, security holders and other interested persons may find additional information regarding the Company at the SEC’s Internet site at http://www.sec.gov/ or the Company website www.huntcompaniesfinancetrust.com or by directing requests to: Hunt Companies Finance Trust, 230 Park Avenue, 19th Floor, New York, NY 10169, Attention: Investor Relations.

Forward-Looking Statements

Certain statements included in this press release, any related webcast / conference call, and other oral statements made by our representatives from time to time may constitute forward-looking statements intended to qualify for the safe harbor contained in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act, as amended. Forward-looking statements are subject to risks and uncertainties. These forward-looking statements include information about possible or assumed future results of our business, financial condition, liquidity, results of operations, plans and objectives. You can identify forward-looking statements by use of words such as "believe," "expect," "anticipate," "project," "estimate," "plan," "continue," "intend," "should," "may," "will," "seek," "would," "could," or similar expressions or other comparable terms, or by discussions of strategy, plans or intentions. Statements regarding the following subjects, among others, may be forward-looking: the return on equity; the yield on investments; the ability to borrow to finance assets; and risks associated with investing in real estate assets, including changes in business conditions and the general economy. Forward-looking statements are based on our beliefs, assumptions and expectations of our future performance, taking into account all information currently available to us on the date of this press release or the date on which such statements are first made. Actual results may differ from expectations, estimates and projections. You are cautioned not to place undue reliance on forward-looking statements in this press release and/or any related webcast / conference call and should consider carefully the factors described in Part I, Item IA "Risk Factors" in our annual reports on Form 10-K, our quarterly reports on Form 10-Q, and other current or periodic filings with the Securities and Exchange Commission ("SEC"), when evaluating these forward-looking statements. Forward-looking statements are subject to substantial risks and uncertainties, many of which are difficult to predict and are generally beyond our control. Additionally, many of these risks and uncertainties are currently amplified by and will continue to be amplified by, or in the future may be amplified by, the COVID-19 outbreak. Additional information concerning these and other risk factors are contained in our 2019 10-K and Form 10-Q for the quarter ended September 30, 2020, which are available on the Securities and Exchange Commission’s website at www.sec.gov. Except as required by applicable law, we disclaim any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Investor Relations Contact:
Charles Duddy
Managing Director
(646) 248-0174
charles.duddy@lument.com

Media Contact:
Michael Ratliff
Director
(212) 588-2163
michael.ratliff@lument.com

EX-99.2

Exhibit 99.2

December 2020 Hunt Companies Finance Trust Investor Presentation

Disclaimer 2 This presentation, any related webcast/conference call, and other oral statements made by our representatives from time to ti me may constitute forward - looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securi tie s Exchange Act of 1934, as amended, which reflect the current views of Hunt Companies Finance Trust, Inc. (NYSE: HCFT) (“HCFT ” or the “Company”) with respect to, among other things, the Company’s operations and financial performance. You can identify these forward - looking statements by the use of word s such as “outlook,” “indicator,” “believes,” “expects,” “potential,” “continues,” “may,” “will,” “should,” “seeks,” “approximately,” “predicts,” “pr ojects,” “intends,” “plans,” “estimates,” “anticipates” or the negative version of these words or other comparable words. Such forward - looking statements are subject to various risks and uncertainties. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ mat erially from those indicated in these statements. The Company believes these factors include but are not limited to those described under the section entitle d “ Risk Factors” in its Annual Report for fiscal year 2019 on Form 10 - K and other periodic filings with the Securities and Exchange Commission (“SEC”), when ev aluating these forward - looking statements. Additionally, many of these risks and uncertainties are currently amplified by and will continue to be am pli fied by, or in the future may be amplified by, the COVID - 19 outbreak. It is not possible to predict or identify all such risks. Additional information concern ing these and other risk factors are contained in our 2019 Form 10 - K which is available on the SEC’s website at www.sec.gov . These factors should not be construed as exhaustive and should be read in conjunction with the other cautionary statements that are included in this presentation and in the filings. Th e Company assumes no obligation to update or supplement forward-looking statements that become untrue because of subsequent events or circumstances This presentation includes non - GAAP financial measures within the meaning of Item 10(e) of Regulation S - K, as promulgated by the SEC. While we believe the non - GAAP information included in this presentation provides supplemental information to assist investors in analyzing our fi nancials and to assist investors in comparing our results with other peer issuers, these measures are not in accordance with GAAP, and they should n ot be considered a substitute for, or superior to, our financial information calculated in accordance with GAAP. Our GAAP financial results and the reconci lia tions from these results contained herein should be carefully evaluated

Name & Ticker Change 3 • On December 18th, 2020, the Company announced that it will change its name to Lument Finance Trust, Inc., effective December 28 , 2020 • In addition to the new corporate name, the Company expects to change its ticker symbol on the NYSE to “LFT” and anticipates that trading under the new name and ticker symbol will commence on December 28, 2020 • This name change is a result of the rebranding of HCFT’s manager, which occurred in October 2020, from “OREC Investment Management” to “ Lument Investment Management”

Company Overview 4 Key Investment Highlights Strong Sponsorship/Ownership • Access to extensive loan origination platform through affiliation with Lument, a premier national mortgage originator and asset manager • Experienced management team with average of 23 years of industry experience across multiple economic cycles • Affiliation with ORIX Corporation USA, an established international financial firm • The Company is an externally - managed real estate investment trust focused on investing in, financing and managing a portfolio of commercial real estate debt investments • The Company is externally managed by Lument Investment Management, an affiliate of ORIX Corporation USA Attractive Investment Profile • Emphasis on middle market multifamily investments which are well positioned for the current environment • Strong credit and asset management capabilities with zero delinquencies or defaults during the COVID era • Attractive financing sources via non - recourse, non mark - to - market CRE CLOs

Leveraging the Depth of the Lument Platform 5 • Lument is a nationally recognized leader in multifamily and seniors housing and care finance • Combining the industry expertise of legacy brands Hunt Real Estate Capital, RED Capital Group, and Lancaster Pollard, Lument offers a comprehensive set of custom capital solutions to its clients across commercial real estate with a strong focus in multifamily , affordable housing, and seniors housing and healthcare *MBA Commercial/Multifamily Annual Origination Rankings 2019 Office locations Seattle San Rafael Irvine San Diego Phoenix Denver Kansas City El Paso Austin Dallas Houston Tampa Orlando Boco Raton Miami Minneapolis Charleston Atlanta Birmingham Boston New York Philadelphia Washington Reston Buffalo Indianapolis Columbus Berkeley Heights San Francisco Chicago Arcadia Los Angeles • Top 10 non - bank multifamily lender* • $46 billion servicing portfolio • Top ranked FHA MAP lender, with over 880 loans closed totaling over $7 billion in the past decade • Lument’s combined predecessor companies rank first in HUD senior housing and healthcare lending over the past decade, with more than 1,000 closings totaling over $ 8.6 billion • Top 3 Fannie Mae Small Loan lender (2019) • Top 3 Fannie Mae Manufactured Housing Community (MHC) lender (2019) Significant Multifamily Expertise The Company leverages Lument’s broad platform and significant expertise when originating and underwriting investments

Lument: A Platform Built for the Benefit of Investors 6 Diverse Opportunity Set via Lument Origination Platform • 600+ employees across 25+ offices provide clients of Lument and its affiliates with a mix of markets, assets, and deal types that span the breadth of commercial and multifamily real estate • Majority of deals are directly originated which creates differentiated access to investment opportunities Proprietary Underwriting and Proactive Surveillance • Seasoned underwriting staff analyze opportunities on a deal - by - deal basis, and are further supported by a proprietary database of more than 20,000 deals • “Boots - on - the - ground” approach to underwriting, surveillance, and asset management allows for: • Real - time intelligence that helps inform investment process • Enhanced view of trends and warning signals across markets and asset types • Lument’s $46+ billion servicing portfolio includes a Fitch - rated servicing unit Cradle - to - Grave Capital Source • Robust borrower relationships combined with an efficient underwriting process allows Lument to be a go - to capital provider, which in turn keeps the Company’s pipeline of investment opportunities active and diverse • Flexibility to act as a capital provider up and down the capital stack both reinforces value to borrower clients and offers a multitude of investment opportunities to the Company Backing from Well - Capitalized Parent Company • Backing from ORIX Corporation USA, an established international parent • ORIX Corporation (TSE: 8591 and NYSE: IX) operates in 37 countries and regions • In - house operations, asset management, legal, compliance, HR, etc.

Affiliation with ORIX 7 ORIX CORPORATION USA – AT A GLANCE ORIX Corporation USA provides investment capital and asset management services to clients in the corporate, real estate and m uni cipal finance sectors. ORIX USA and its family of companies have $78 billion of assets under management, administration and servic ing , including $11 billion held by ORIX USA and its subsidiaries as of July 2020, and a team of more than 1,200 employees spanning offices a cro ss the U.S. and Brazil. Its parent company, ORIX Corporation, is a publicly owned, Tokyo - based international financial services company. Global Reach • Operating in 37 countries and regions • More than 2,100 locations • Ranked No. 292 on 2020 Forbes Global 2000: World’s Largest Public Companies Publicly Traded • Listed on the Tokyo (8591) and New York (NYSE: IX) stock exchanges • Approximately $20 billion market capitalization as of March 2019 Capital Reach • Balance sheet assets exceeding $100 billion • Approximately $400 billion in assets under management across the globe (As of March 2019) Rated • Long - term debt credit rating of A - by S&P’s, Fitch’s and A3 by Moody’s (As of April 2020) ORIX Corporation USA, a subsidiary of ORIX Corporation, is the parent of the Company’s investment manager and is also a meaningful Company shareholder

Lument : Experienced Leadership Team 8 JAMES FLYNN Director & CEO, Lument Finance Trust Chief Executive Officer, Lument MIKE LARSEN President, Lument Finance Trust Chief Operating Officer, Lument JAMES BRIGGS CFO, Lument Finance Trust Chief Accounting Officer, Lument PRECILLA TORRES Head of Real Estate Investment Strategies, Lument BARRY FULLER VIC CLARK JAMES HENSON MEGAN GOODFELLOW Head of Loan Servicing and Asset Management, Lument Head of Conventional Multifamily Production, Lument General Counsel, Lument Chief Credit Officer, Real Estate Investment Strategies, Lument

Lument Finance Trust: Target Investments 9 Loan Size $5 million to $50+ million Collateral Primarily first lien real estate debt on stabilized or transitional assets Property Type Multifamily, retail, office, industrial, and self storage Geographies Within the United States Loan to Value Typically up to 80% LTC / up to 75% of stabilized value Rate LIBOR + 3.00% and higher Term 3 to 5 years Amortization Typically interest only Recourse Typically non - recourse except for standard carve - outs

Lument Finance Trust: Investment Portfolio 10 TX , $211.7 , 35% IL , $82.5 , 14% GA , $52.7 , 9% VA , $49.4 , 8% MD , $33.6 , 6% Other States , $168.9 , 28% Geographic Concentration (1) Multi - Family , $541.6 , 90% Retail , $35.2 , 6% Office , $17.9 , 3% Self - Storage , $4.2 , 1% Property Type (1) $599 million $599 million Note: (1) $ In millions • As of Q3 2020, the Company owned a portfolio of floating - rate CRE loans with an aggregate UPB of $599 million. 90% of the portfo lio was invested in loans backed by multifamily assets • The Company anticipates that the majority of loan activity will continue to be related to multifamily assets. The Company does not own any hospitality assets and has limited exposure to retail and office properties • LIBOR floors exist on 100% of the loans in the Portfolio • During the “COVID era,” the Company has not granted a single forbearance nor has it experienced a single loan default

Lument Finance Trust: Capital Structure Overview 11 75.7% 6.3% 18.0% CLO Financing Term Loan Common Equity $637.2 million (4) Capital Structure Composition Capital Structure Detail Note: (1) CLO financing shown at par value. GAAP carrying value of $479.7 million includes $0.5 million of unamortized discounts for Hunt CRE 2017 - FL1 and $2.3 million of unamortized debt issuance costs for Hunt CRE 2018 - FL2 (2) Term loan shown at par value. GAAP carrying value of $39.5 million includes $0.7 million of unamortized debt issuance cos ts (3) Noncontrolling interest was $99,500 as of 9/30/2020 and is included in common equity above (4) LFT total capitalization is a non - GAAP measure which excludes certain Balance Sheet items; Please see Appendix for reconcil iation to GAAP Match Term Non - Recourse Financing • The Company does not currently utilize repurchase or warehouse facility financing and therefore is not subject to margin call s on any of its assets from repo or warehouse lenders • Primary sources of debt financing are two match - term non - MTM CRE CLOs as well as a corporate term loan ($ in millions) Collateralized Loan Obligations Rate Advance Rate Amount Hunt CRE 2017-FL1 (1) L + 1.42% 81.8% $263.0 Hunt CRE 2018-FL2 (1) L + 1.44% 77.0% $219.4 Total Collateralized Loan Obligations L + 1.43% $482.4 Credit Facilities Term Loan (2) 7.25% $40.3 Total Debt $522.7 Equity Book Value of Common Equity (3) $114.5 Total Capitalization (4) $637.2

Track Record of EPS Growth and Book Value Stability 12 $0.05 $0.06 $0.08 $0.10 $0.06 $0.09 $0.09 $0.11 Q4 2019 Q1 2020 Q2 2020 Q3 2020 GAAP Earnings/Share Core Earnings/Share $4.59 $4.57 $4.57 $4.59 Q4 2019 Q1 2020 Q2 2020 Q3 2020 GAAP Earnings & Core Earnings Per Share of Common Stock Book Value Per Share

Conclusion 13 Key Investment Highlights Strong Sponsorship/Ownership • Access to extensive loan origination platform through affiliation with Lument, a premier national mortgage originator and asset manager • Experienced management team with average of 23 years of industry experience across multiple economic cycles • Affiliation with ORIX Corporation USA, an established international financial firm Attractive Investment Profile • Emphasis on middle market multifamily investments which are well positioned for the current environment • Strong credit and asset management capabilities with zero delinquencies or defaults during the COVID era • Attractive financing sources via non - recourse, non mark - to - market CRE CLOs

Q3 2020 Financial Updates Appendix

Q3 2020 Key Updates 15 Note: (1) If all extensions are exercised by the borrowers, the CRE loan portfolio will have a weighted average remaining term of 38 months Financial Results • Q3 2020 GAAP Net Income of $2.55 million, or $0.10 per share • Q3 2020 Core Earnings of $2.76 million, or $0.11 per share • Q3 2020 Book Value Per Share of $4.59 Highlights • As previously announced, the Company increased the quarterly dividend by 13% from $0.075 per share to $0.085 per share with respect to Q3 • During Q3 2020, the Company acquired and/or funded $10.6 million of new loans and participations at a weighted average spread of LIBOR + 4.16% • The weighted - average LIBOR floor of the Q3 acquisitions was 1.08% • 100% of the new acquisitions were multifamily assets • The Company experienced $21.5 million of loan payoffs during the quarter. $9.2 million of these loans were held in FL1, which is past its reinvestment period, and $12.3 million in FL2 Investment Portfolio Overview • As of 9/30/2020, 99.8% of LFT’s investment portfolio consisted of floating - rate CRE loans • The $598.9 million CRE loan portfolio had a weighted average remaining term of 14 months (1) and a weighted average coupon of L + 3.54% • The portfolio had a weighted - average LIBOR floor of 1.61% • Over 90% of the portfolio was multifamily • The Company’s only legacy investment consists of $1.1 million of mortgage servicing rights Capitalization • The floating - rate CRE loan portfolio is financed with $482.4 million of investment grade notes issued through two CRE CLOs • As of 9/30/2020, the Company had $9.7 million of unrestricted cash and $14.5 million of available CLO reinvestment capacity

Q3 2020 Income Statement Summary 16 Summary Income Statement (thousands) Three Months Ended September 30, 2020 Net interest income $4,832 Total other income (loss) (162) Operating expenses (2,261) Benefit (provision) from income taxes 143 Preferred dividends (4) Net income attributable to common stockholders $2,547 Reclassification adjustment for net gain (loss) included in net income 0 Comprehensive income attributable to common stockholders $2,547 Weighted average shares outstanding during the period 24,943,383 Net income per share $0.10 Comprehensive income per share $0.10 GAAP Comprehensive Income to Core Earnings Reconciliation (thousands) Three Months Ended September 30, 2020 Comprehensive income attributable to common stockholders $2,547 Adjustments: Unrealized losses (gains) on mortgage servicing rights 350 Recognized compensation expense related to restricted stock 3 Adjustment for (provision for) income taxes (143) Core earnings (1) $2,758 Weighted average shares outstanding during the period 24,943,383 Core earnings per share $0.11 Dividend per share $0.085 Note: (1) See Appendix for definition of Core Earnings per the Management Agreement

Q3 2020 Balance Sheet Summary 17 Balance Sheet (thousands) Q3 2020 Commercial mortgage loans held - for - investment $598,933 Mortgage servicing rights, at fair value 1,097 Cash and cash equivalents 9,720 Restricted cash (1) 14,549 Investment related receivable (2) 9,247 Accrued interest receivable 2,280 Other assets 2,000 Total assets $637,828 Collateralized loan obligations (3) $479,705 Credit facility 39,513 Other liabilities 4,132 Total liabilities $523,349 Total equity $114,478 Total liabilities / total equity 4.57x Book value per share $4.59 Note: (1) Restricted cash held by CRE CLO securitization trusts and available for investment in eligible mortgage assets (2) Investment related receivable includes 1 unsettled loan in Hunt CRE 2017 - FL1 with a principal amount due of $9.2 million wh ich will be used to pay down the Class A Notes of the CLO (3) Outstanding notional amount of bonds issued from both CLOs is $482.4 million. For GAAP purposes, these liabilities are ca rri ed at their outstanding unpaid principal balance, net of any unamortized discounts and debt issuance costs

Q3 2020 Summary of Investment Portfolio 18 Floating 99.8% Fixed … First Mortgages 99.8% Residential MSRs 0.2% Investment Portfolio as of September 30, 2020 (thousands) UPB / Notional Net Carrying Value Weighted Average Coupon Weighted Average Remaining Term (months) Weighted Average LTV at Loan Origination Weighted Average Stabilized LTV at Loan Origination First Mortgages $598,933 $598,933 L + 3.54% 14 (1) 74.24% 69.36% Residential MSRs $239,180 $1,097 0.25% 274 (2) Total $838,113 $600,030 Note: (1) If all extensions are exercised by the borrowers, the CRE loan portfolio will have a weighted average remaining term of 38 months (2) The weighted average remaining term of the residential MSR portfolio is based on the maturity dates of the underlying res id ential loan pool and excludes the impact of potential borrower prepayments. We anticipate that the weighted average remaining life of the portfolio to be less than 274 months Investment Type Interest Rate Type $600.0 million $600.0 million

Q3 2020 Balance Sheet Summary 19 Multifamily , $10.6 , 100.0% Net Funding Activity (1) Q3 2020 Loan Acquisitions (1) $10.6 million Note: (1) $ In millions $609.8 $10.6 $(21.5) $598.9 Q2 2020 Portfolio Fundings / Acquisitions Payoffs / Sales Q3 2020 Portfolio • The CRE loan portfolio decreased by $10.9 million in Q3 • The Company acquired $9.5 million of loans at par from an affiliate of the Manager and funded an additional $1.1 million of future funding participations • The Company experienced $21.5 million of payoffs, $9.2 million of which was held in FL1 which is past its reinvestment period and $12.3 million in FL2

Interest Rate Sensitivity as of September 30, 2020 20 Floating Rate Assets (1) $599 Floating Rate Liabilities (2) - $482 Net Exposure $116 $747 ($1,254) ($2,508) ($3,762) ($4,786) -25 bps +0 bps +25 bps +50 bps +75 bps +100 bps $ in Thousands Change in LIBOR Floating - Rate Exposure Annual Net Interest Income Sensitivity to Shifts in One - Month LIBOR (3) $ in Millions Note: (1) Comprised of the Company’s portfolio of floating - rate CRE loans (2) Comprised of outstanding securitization notes in the CRE CLOs (3) Assumes starting one - month LIBOR rate of 0.1490% (4) Negative LIBOR will not have further impacts on P&L (4)

9/30/2020 CRE Loan Portfolio Details 21 Continued on the following page Note: (1) All loan spreads are indexed to one - month LIBOR (2) LTV as of the date the loan was originated by an affiliate. LTV has not been updated for any subsequent draws or loan mod if ications and is not reflective of any changes in value which may have occurred subsequent to the origination date # Loan Name Closing Date Maturity Date Property Type City State Current Balance Note Spread (1) Initial Term (months) As-Is LTV at Origination (2) 1 Loan 1 6/5/2018 6/4/2021 Multi-Family Palatine IL 35,625,000 4.30% 37 68.50% 2 Loan 2 11/30/2018 12/6/2020 Multi-Family Nacogdoches TX 35,441,348 4.05% 24 70.39% 3 Loan 3 7/9/2018 8/6/2021 Multi-Family Pikesville MD 33,650,982 3.25% 36 77.59% 4 Loan 4 8/8/2018 8/6/2021 Multi-Family Dallas TX 32,526,660 3.65% 36 81.23% 5 Loan 5 11/22/2019 8/6/2022 Multi-Family Virginia Beach VA 26,500,000 2.75% 33 77.10% 6 Loan 6 5/18/2018 6/4/2021 Multi-Family Woodridge IL 25,355,116 3.75% 37 76.43% 7 Loan 7 12/10/2019 7/6/2022 Multi-Family San Antonio TX 24,540,507 3.15% 30 71.90% 8 Loan 8 1/15/2020 7/6/2022 Multi-Family Chattanooga TN 24,180,000 2.95% 30 80.60% 9 Loan 9 5/31/2018 6/6/2021 Multi-Family Omaha NE 20,853,067 3.70% 37 77.26% 10 Loan 10 11/26/2019 12/6/2021 Multi-Family Doraville GA 20,000,000 2.75% 25 76.10% 11 Loan 11 12/6/2018 12/6/2021 Multi-Family Greensboro NC 18,703,039 3.35% 37 79.78% 12 Loan 12 12/28/2018 1/6/2022 Retail Austin TX 18,000,000 3.90% 37 71.40% 13 Loan 13 7/10/2019 8/6/2022 Multi-Family Amarillo TX 17,754,112 2.90% 37 76.37% 14 Loan 14 12/28/2018 1/6/2022 Retail Austin TX 17,172,624 4.10% 37 60.50% 15 Loan 15 3/13/2019 4/6/2022 Multi-Family Baytown TX 16,707,856 3.10% 37 80.47% 16 Loan 16 6/28/2018 7/6/2021 Multi-Family Greenville SC 15,245,253 3.90% 37 76.29% 17 Loan 17 8/29/2019 8/6/2022 Multi-Family Austell GA 14,632,203 3.40% 36 72.50% 18 Loan 18 7/23/2018 8/6/2021 Office Chicago IL 12,828,794 3.75% 37 72.74% 19 Loan 19 8/8/2019 8/6/2022 Multi-Family Fort Worth TX 12,649,099 3.00% 36 75.83% 20 Loan 20 1/9/2018 2/6/2021 Multi-Family North Highlands CA 10,158,934 3.95% 37 79.03% 21 Loan 21 3/29/2019 4/6/2021 Multi-Family Portsmouth VA 10,000,000 3.25% 25 61.35% 22 Loan 22 5/25/2018 6/6/2021 Multi-Family Phoenix AZ 9,794,371 3.90% 37 69.41%

9/30/2020 CRE Loan Portfolio Details 22 Note: (1) All loan spreads are indexed to one - month LIBOR (2) LTV as of the date the loan was originated by an affiliate. LTV has not been updated for any subsequent draws or loan mod if ications and is not reflective of any changes in value which may have occurred subsequent to the origination date # Loan Name Closing Date Maturity Date Property Type City State Current Balance Note Spread (1) Initial Term (months) As-Is LTV at Origination (2) 23 Loan 23 9/10/2020 4/6/2021 Multi-Family Winchester OH 9,527,000 4.25% 7 61.90% 24 Loan 24 9/11/2019 10/6/2022 Multi-Family Orlando FL 9,135,000 2.80% 37 69.20% 25 Loan 25 2/15/2018 3/6/2021 Multi-Family Atlanta GA 9,047,396 4.25% 37 80.21% 26 Loan 26 8/30/2018 9/6/2021 Multi-Family Blacksburg VA 8,675,645 3.85% 37 66.55% 27 Loan 27 3/12/2018 4/6/2021 Multi-Family Waco TX 8,612,000 4.75% 37 72.90% 28 Loan 28 1/18/2019 2/6/2021 Multi-Family Philadelphia PA 8,238,438 3.95% 25 71.31% 29 Loan 29 8/7/2018 9/6/2021 Multi-Family Birmingham AL 8,235,825 3.50% 38 78.01% 30 Loan 30 2/23/2018 3/6/2021 Multi-Family Little Rock AR 8,070,000 4.25% 37 81.29% 31 Loan 31 1/13/2020 2/6/2022 Multi-Family Fort Lauderdale FL 7,930,194 3.15% 25 78.40% 32 Loan 32 11/13/2019 12/6/2021 Multi-Family Holly Hill FL 7,780,000 2.90% 25 77.80% 33 Loan 33 6/10/2019 7/6/2022 Multi-Family San Antonio TX 6,525,817 3.40% 37 77.70% 34 Loan 34 12/9/2019 1/6/2022 Multi-Family Fort Worth TX 6,230,000 3.15% 25 77.70% 35 Loan 35 3/29/2019 4/6/2021 Multi-Family Raleigh NC 5,992,424 3.50% 25 79.03% 36 Loan 36 8/28/2019 8/6/2022 Multi-Family Austin TX 5,966,157 3.25% 36 69.90% 37 Loan 37 6/22/2018 7/6/2021 Multi-Family Chicago IL 5,900,550 4.10% 37 80.53% 38 Loan 38 6/10/2019 7/6/2022 Multi-Family San Antonio TX 5,295,605 2.90% 37 62.92% 39 Loan 39 12/13/2019 1/6/2022 Multi-Family Jacksonville FL 5,070,339 2.90% 25 74.90% 40 Loan 40 11/30/2018 11/6/2021 Office Decatur GA 5,036,066 4.10% 36 56.80% 41 Loan 41 5/31/2019 6/6/2022 Multi-Family Austin TX 4,275,035 3.50% 37 74.09% 42 Loan 42 11/12/2019 12/6/2021 Self-Storage Chesapeake VA 4,225,000 3.15% 25 64.50% 43 Loan 43 12/13/2019 1/6/2022 Multi-Family Marietta GA 4,010,000 3.00% 25 77.90% 44 Loan 44 6/5/2018 6/4/2021 Multi-Family Palatine IL 2,835,666 4.30% 37 68.50% Total / Average 598,933,122 3.54% 33 74.24%

Consolidated Balance Sheets 23

Consolidated Statement of Income 24

Reconciliation of GAAP to Core Earnings 25 GAAP to Core Earnings Reconciliation Three Months Ended September 30, 2020 Reconciliation of GAAP to non - GAAP Information Net Income (loss) attributable to common shareholders $2,547,218 Adjustments for non - core earnings Unrealized (Gain) Loss on mortgage servicing rights 350,127 Subtotal 350,127 Other Adjustments Recognized compensation expense related to restricted common stock 2,949 Adjustment for (provision for) income taxes (142,595) Subtotal (139,646) Core Earnings $2,757,699 Weighted average shares outstanding – Basic and Diluted 24,943,383 Core Earnings per weighted share outstanding – Basic and Diluted $0.11

Detailed Walk of Capitalization 26 (in 000's) 9/30/2020 Total GAAP liabilities and stockholders' equity $637,828 Adjustments for Capitalization ( - ) Accrued interest payable (412) ( - ) Dividends payable (2,124) ( - ) Fees and expenses payable to Manager (1,116) ( - ) Other accounts payable and accrued expenses (209) ( + ) Other capitalized financing & issuance costs 3,401 HCFT Capitalization $637,169

Key Definitions 27 “ Core Earnings ” means the net income (loss) attributable to the holders of Common Shares or, without duplication, owners of the Company’s S ubs idiaries, computed in accordance with GAAP, including realized losses not otherwise included in GAAP net income (loss) and excluding ( i ) non - cash equity compensation expense, (ii) incentive compensation payable to the Manager, (iii) depreciation and amortization, (iv) any unrea liz ed gains or losses or other similar non - cash items that are included in net income for the applicable reporting period, regardless of whether such items are included in other comprehensive income or loss, or in net income, and (v) one - time events pursuant to changes in GAAP and certain material non - cas h income or expense items after discussions with the Company’s board of directors and approval by a majority of the Company’s independent directo rs. “ Stockholders’ Equity ” means: (a) the sum of the net proceeds from any issuances of the Company’s equity securities (excluding preferred securitie s s olely for purposes of Incentive Compensation but including preferred securities for all other purposes of this Agreement) since inc ept ion (allocated on a pro rata daily basis for such issuances during the fiscal quarter of any such issuance; plus (b) the Company’s retained earnings at th e e nd of such fiscal quarter (without taking into account any non - cash equity compensation expense or other non - cash items described below incurred in curren t or prior periods); less (c) any amount that the Company pays for repurchases of its Common Shares; and (d) excluding ( i ) any unrealized gains, losses or other non - cash items that have impacted the Company’s Stockholders’ Equity as reported in the Company’s financial statements prepared in accordance wit h G AAP, regardless of whether such items are included in other comprehensive income or loss, or in net income, and (ii) adjustments relating to one - ti me events pursuant to changes in GAAP and certain other noncash charges after discussions with the Company’s board of directors and approval by a m ajo rity of the Company’s independent directors.

December 2020

EX-99.3

Exhibit 99.3

Hunt Companies Finance Trust Announces Special Cash Dividend Distribution

NEW YORK, December 21, 2020 /PRNewswire/ -- Hunt Companies Finance Trust, Inc. (NYSE: HCFT) ("we", "HCFT" or "the Company") today announced the declaration of a one-time special cash dividend of $0.04 per share of common stock due to real estate investment trust tax considerations. This distribution is payable on January 15, 2021 to stockholders of record as of the close of business on December 31, 2020. Combined with the Company’s previously declared $0.09 per share regular dividend for Q4 2020, shareholders of record as of the close of business on December 31, 2020 will receive a total distribution of $0.13 per share of common stock.

About HCFT

HCFT is a Maryland corporation focused on investing in, financing and managing a portfolio of commercial real estate debt investments. The Company primarily invests in transitional floating rate commercial mortgage loans with an emphasis on middle-market multi-family assets.

HCFT is externally managed and advised by OREC Investment Management, LLC d/b/a Lument Investment Management, a Delaware limited liability company.  For additional information about OREC Investment Management, LLC d/b/a Lument Investment Management, please see its Form ADV and brochure (Part 2A of Form ADV) available at https://www.adviserinfo.sec.gov.

The Company previously announced that it will change its name to Lument Finance Trust, Inc., effective December 28, 2020. In addition to the new corporate name, the Company expects to change its ticker symbol on the NYSE to "LFT" and anticipates that trading under the new name and ticker symbol will commence on December 28, 2020.

Additional Information and Where to Find It

Investors, security holders and other interested persons may find additional information regarding the Company at the SEC’s Internet site at http://www.sec.gov/ or the Company website www.huntcompaniesfinancetrust.com or by directing requests to: Hunt Companies Finance Trust, 230 Park Avenue, 19th Floor, New York, NY 10169, Attention: Investor Relations.

Forward-Looking Statements

Certain statements included in this press release, any related webcast / conference call, and other oral statements made by our representatives from time to time may constitute forward-looking statements intended to qualify for the safe harbor contained in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act, as amended. Forward-looking statements are subject to risks and uncertainties. These forward-looking statements include information about possible or assumed future results of our business, financial condition, liquidity, results of operations, plans and objectives. You can identify forward-looking statements by use of words such as "believe," "expect," "anticipate," "project," "estimate," "plan," "continue," "intend," "should," "may," "will," "seek," "would," "could," or similar expressions or other comparable terms, or by discussions of strategy, plans or intentions. Statements regarding the following subjects, among others, may be forward-looking: the return on equity; the yield on investments; the ability to borrow to finance assets; and risks associated with investing in real estate assets, including changes in business conditions and the general economy. Forward-looking statements are based on our beliefs, assumptions and expectations of our future performance, taking into account all information currently available to us on the date of this press release or the date on which such statements are first made. Actual results may differ from expectations, estimates and projections. You are cautioned not to place undue reliance on forward-looking statements in this press release and/or any related webcast / conference call and should consider carefully the factors described in Part I, Item IA "Risk Factors" in our annual reports on Form 10-K, our quarterly reports on Form 10-Q, and other current or periodic filings with the Securities and Exchange Commission ("SEC"), when evaluating these forward-looking statements. Forward-looking statements are subject to substantial risks and uncertainties, many of which are difficult to predict and are generally beyond our control. Additionally, many of these risks and uncertainties are currently amplified by and will continue to be amplified by, or in the future may be amplified by, the COVID-19 outbreak. Additional information concerning these and other risk factors are contained in our 2019 10-K and Form 10-Q for the quarter ended September 30, 2020, which are available on the Securities and Exchange Commission’s website at www.sec.gov. Except as required by applicable law, we disclaim any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Investor Relations Contact:

Charles Duddy
Managing Director
(646) 248-0174
charles.duddy@lument.com

Media Contact:

Michael Ratliff
Director
(212) 588-2163
michael.ratliff@lument.com

XML

Cover	Dec. 17, 2020
Cover [Abstract]
Document Type	8-K
Amendment Flag	false
Document Period End Date	Dec. 17, 2020
Current Fiscal Year End Date	--12-31
Entity File Number	001-35845
Entity Registrant Name	HUNT COMPANIES FINANCE TRUST, INC.
Entity Central Index Key	0001547546
Entity Tax Identification Number	45-4966519
Entity Incorporation, State or Country Code	MD
Entity Address, Address Line One	230 Park Avenue
Entity Address, Address Line Two	19th Floor
Entity Address, City or Town	New York
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	10169
City Area Code	212
Local Phone Number	521-6323
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock, $0.01 par value
Trading Symbol	HCFT
Security Exchange Name	NYSE
Entity Emerging Growth Company	false