Zero-down veteran home loans introduced by UMH Properties (NYSE: UMH)

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

UMH Properties, Inc. filed a current report describing a new lending promotion aimed at United States Veterans. Through its COP program with Triad Financial Services, the company is offering zero-down payment lending options for qualified Veterans buying manufactured homes in its communities, with terms described as similar to existing VA loan programs.

UMH highlights manufactured housing as a source of quality affordable housing for Veterans, who currently cannot use standard VA loans for homes in land-lease manufactured home communities. As context, UMH is a REIT organized in 1968 that owns and operates 145 manufactured home communities with about 27,100 developed homesites, including 11,200 rental homes and over 1,000 self-storage units across multiple states.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Series D Preferred Dividend Rate: 6.375% Par Value Common Stock: $0.10 Par Value Series D Preferred: $0.10 +5 more

8 metrics

Series D Preferred Dividend Rate 6.375% Series D Cumulative Redeemable Preferred Stock

Par Value Common Stock $0.10 Common Stock par value per share

Par Value Series D Preferred $0.10 Series D Cumulative Redeemable Preferred Stock par value

Manufactured Home Communities 145 communities Owned and operated portfolio

Developed Homesites 27,100 homesites Across UMH manufactured home communities

Rental Homes 11,200 homes Homesites containing rental homes

Self-storage Units Over 1,000 units Located within UMH communities

Joint Venture Sites 363 + 113 sites Florida and Pennsylvania joint venture communities

Key Terms

Regulation FD, real estate investment trust (REIT), manufactured home communities, zero-down payment lending, +2 more

6 terms

Regulation FD regulatory

"Item 7.01 Regulation FD Disclosure."

Regulation FD is a rule that prevents company insiders, like executives, from sharing important information with some people before others get it. It matters because it helps ensure all investors have equal access to key news, making the stock market fairer and reducing chances of insider trading.

real estate investment trust (REIT) financial

"UMH Properties, Inc. (NYSE: UMH) (TASE: UMH), a real estate investment trust (REIT)"

A real estate investment trust (REIT) is a company that owns, operates, or finances income-generating real estate like shopping malls, apartments, or office buildings. Investors buy shares of the REIT, making it easy for people to invest in real estate without buying property themselves, and it often pays regular dividends from the rent it collects.

manufactured home communities financial

"specializing in the ownership and operation of manufactured home communities"

zero-down payment lending financial

"a new lending promotion through its COP program with Triad Financial Services, that offers zero-down payment lending options"

VA loans regulatory

"manufactured homes located in land-lease, manufactured home communities are excluded from consideration for VA loans"

VA loans are home mortgages guaranteed by the U.S. Department of Veterans Affairs for eligible military veterans, active-duty service members, reservists and certain surviving spouses. They matter to investors because the government guarantee reduces lender risk and can boost housing demand for eligible buyers; that influence changes the size and risk profile of mortgage lending, mortgage-backed securities and banks’ loan portfolios—similar to how an insurance policy makes lenders more willing to lend.

land-lease financial

"manufactured homes located in land-lease, manufactured home communities are excluded"

A land-lease is a long-term agreement where someone rents a piece of land from its owner instead of buying it, often building or placing structures on that land while paying regular rent. Investors care because the lease controls who earns income, who bears upkeep and improvement costs, and when ownership of buildings may revert to the landowner—factors that affect cash flow, property value, and resale risk.

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google

Understanding 8-K Material Events →

Available on EDGAR 07/09/2026 - 04:36 PM Accepted by SEC EDGAR 07/09/2026 - 04:35 PM

FAQ

What did UMH (UMH) announce regarding lending for Veterans?

UMH announced a lending promotion offering zero-down payment options for qualified U.S. Veterans. The promotion runs through its COP program with Triad Financial Services and targets manufactured homes in UMH communities with terms similar to current VA loan programs.

How does UMH’s veteran lending promotion relate to VA loans?

UMH notes that manufactured homes in land-lease communities are currently excluded from VA loan consideration. The new promotion is intended to let Veterans own homes in UMH manufactured home communities with terms similar to existing VA loan programs.

What type of business is UMH (UMH) and what does it own?

UMH is a public equity real estate investment trust specializing in manufactured home communities. It owns and operates 145 communities with approximately 27,100 developed homesites, including about 11,200 rental homes and over 1,000 self-storage units across several U.S. states.

Which partner is involved in UMH’s zero-down veteran lending program?

The veteran-focused lending promotion is offered through UMH’s COP program with Triad Financial Services. Triad provides the financing platform that enables the zero-down payment lending options for qualified Veterans purchasing homes in UMH communities.

In which states does UMH (UMH) operate its manufactured home communities?

UMH’s 145 manufactured home communities are located in New Jersey, New York, Ohio, Pennsylvania, Tennessee, Indiana, Maryland, Michigan, Alabama, South Carolina, Florida and Georgia. The portfolio also includes joint venture communities in Florida and Pennsylvania with Nuveen Real Estate.

How many sites are in UMH’s joint venture communities with Nuveen Real Estate?

UMH’s joint ventures with Nuveen Real Estate include two communities in Florida with 363 sites and one community in Pennsylvania with 113 sites. UMH has an ownership interest in these communities and operates them as part of its broader portfolio.

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): July 8, 2026

UMH Properties, Inc.

(Exact name of registrant as specified in its charter)

Maryland	001-12690	22-1890929
(State or other jurisdiction	(Commission	(IRS Employer
of incorporation)	File Number)	Identification No.)

Juniper Business Plaza, 3499 Route 9 North, Suite 3-C, Freehold, NJ		07728
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (732) 577-9997

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))

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

Title of each class	Trading Symbol(s)	Name of exchange on which registered
Common Stock, $.10 par value	UMH	New York Stock Exchange
6.375% Series D Cumulative Redeemable Preferred Stock, $.10 par value	UMH PRD	New York Stock Exchange

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. ☐

Item 7.01 Regulation FD Disclosure.

On July 8, 2026, the Company announced a zero-down payment lending promotion for Veterans.

The information being furnished pursuant to this Item 7.01, including Exhibits 99 to this report, shall not be deemed “filed” for any purpose, including for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such section. The information in this report, including Exhibits 99, shall not be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, unless specifically incorporated by reference into any such filing. This report will not be deemed an admission as to the materiality of any information in this report that is required to be disclosed solely by Regulation FD.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Number		Description

99.1		Press Release dated July 8, 2026.
104		Cover Page Interactive Date 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.

	UMH Properties, Inc.

Date: July 9, 2026	By:	/s/ Samuel A. Landy
	Name:	Samuel A. Landy
		President and Chief Executive Officer

Exhibit 99.1

UMH PROPERTIES, INC. ANNOUNCES ZERO-DOWN PAYMENT LENDING PROGRAM FOR VETERANS

FREEHOLD, NJ, July 8, 2026 ……UMH Properties, Inc. (NYSE: UMH) (TASE: UMH), a real estate investment trust (REIT) specializing in the ownership and operation of manufactured home communities, is pleased to announce a new lending promotion through its COP program with Triad Financial Services, that offers zero-down payment lending options for qualified United States Veterans.

Samuel A. Landy, President and CEO of UMH Properties, Inc., stated “Manufactured housing can provide quality affordable housing for our Nation’s Veterans. Currently, manufactured homes located in land-lease, manufactured home communities are excluded from consideration for VA loans. The formation of this program will allow Veterans to own their home in a manufactured home community, with similar terms to current VA loan programs. UMH is happy to provide zero-down payment lending options for our Nation’s heroes.”

UMH Properties, Inc., which was organized in 1968, is a public equity REIT that owns and operates 145 manufactured home communities, containing approximately 27,100 developed homesites, of which 11,200 contain rental homes, and over 1,000 self-storage units. These communities are located in New Jersey, New York, Ohio, Pennsylvania, Tennessee, Indiana, Maryland, Michigan, Alabama, South Carolina, Florida and Georgia. Included in the 145 communities are two communities in Florida, containing 363 sites, and one community in Pennsylvania, containing 113 sites, that UMH has an ownership interest in and operates through its joint ventures with Nuveen Real Estate.

Contact: Nelli Madden

732-577-4062

Source: View Original Filing on SEC EDGAR

Filing Exhibits & Attachments

6 documents