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): November 09, 2004 SUNSET FINANCIAL RESOURCES, INC. (Exact name of Registrant as specified in its Charter) Maryland 001-32026 16-1685692 (State or other jurisdiction of (Commission (I.R.S. Employer incorporation or organization) file number) Identification Number) 10245 Centurion Parkway North, Jacksonville, Florida 32256 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (904) 425-4099 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: |_| 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)) Item 8.01. Other Events. Attached as Exhibit 99.1 is a press release issued by the registrant on August 11, 2004. Item 9.01. Financial Statements, Pro Forma Financial Information and Exhibits. (c) Exhibits 99.1 Press Release issued November 10, 2004. 2 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. Date: November 10, 2004 SUNSET FINANCIAL RESOURCES, INC. By: /s/ Thomas G. Manuel -------------------- Secretary 3 INDEX TO EXHIBITS EXHIBIT NUMBER DESCRIPTION ------ ----------- 99.1 Press Release issued November 10, 2004