<SEC-DOCUMENT>0001104659-13-009847.txt : 20130212
<SEC-HEADER>0001104659-13-009847.hdr.sgml : 20130212
<ACCEPTANCE-DATETIME>20130212215506
ACCESSION NUMBER:		0001104659-13-009847
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20130208
FILED AS OF DATE:		20130212
DATE AS OF CHANGE:		20130212

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Crowley Denise
		CENTRAL INDEX KEY:			0001568766

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35808
		FILM NUMBER:		13599388

	MAIL ADDRESS:	
		STREET 1:		TWO BRIDGE AVENUE
		STREET 2:		SUITE 322
		CITY:			RED BANK
		STATE:			NJ
		ZIP:			07701

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ZAIS Financial Corp.
		CENTRAL INDEX KEY:			0001527590
		STANDARD INDUSTRIAL CLASSIFICATION:	REAL ESTATE INVESTMENT TRUSTS [6798]
		IRS NUMBER:				900729143
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		TWO BRIDGE AVENUE, SUITE 322
		CITY:			RED BANK
		STATE:			NJ
		ZIP:			07701
		BUSINESS PHONE:		732-530-3610

	MAIL ADDRESS:	
		STREET 1:		TWO BRIDGE AVENUE, SUITE 322
		CITY:			RED BANK
		STATE:			NJ
		ZIP:			07701
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>a4.xml
<DESCRIPTION>4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0306</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2013-02-08</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001527590</issuerCik>
        <issuerName>ZAIS Financial Corp.</issuerName>
        <issuerTradingSymbol>ZFC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001568766</rptOwnerCik>
            <rptOwnerName>Crowley Denise</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O ZAIS FINANCIAL CORP.</rptOwnerStreet1>
            <rptOwnerStreet2>TWO BRIDGE AVENUE, SUITE 322</rptOwnerStreet2>
            <rptOwnerCity>RED BANK</rptOwnerCity>
            <rptOwnerState>NJ</rptOwnerState>
            <rptOwnerZipCode>07701</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2013-02-08</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>5000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>19.9619</value>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>11437</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By DCDE LLC</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $19.94 to $20.00, inclusive. The Reporting Person undertakes to provide ZAIS Financial Corp. (the &quot;Company&quot;), any security holder of the Company, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote.</footnote>
        <footnote id="F2">The shares of Common Stock are held through the accounts of DCDE LLC, of which the Reporting Person is the managing member.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Denise Crowley, by Steven Haber, her attorney-in-fact</signatureName>
        <signatureDate>2013-02-12</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
