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  <xs:element id="arr_RelatedPartyTransactionManagementAgreementEffectiveManagementFeePercentage" abstract="false" name="RelatedPartyTransactionManagementAgreementEffectiveManagementFeePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="arr_RelatedPartyTransactionManagementAgreementGrossEquityRaised" abstract="false" name="RelatedPartyTransactionManagementAgreementGrossEquityRaised" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_TerminationFeeRatioBasedOnContractualManagementFee" abstract="false" name="TerminationFeeRatioBasedOnContractualManagementFee" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="arr_ContractualObligationToBePaidYearSix" abstract="false" name="ContractualObligationToBePaidYearSix" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_ContractualObligationToBePaidYearSeven" abstract="false" name="ContractualObligationToBePaidYearSeven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_The2009StockIncentivePlanMember" abstract="true" name="The2009StockIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_BoardofDirectorsMember" abstract="true" name="BoardofDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfIncrementalIncreaseOfSharesAuthorized" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfIncrementalIncreaseOfSharesAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="arr_ShareBasedPaymentArrangementNonvestedAwardCostNotYetRecognizedAmountRemainderOfFiscalYear" abstract="false" name="ShareBasedPaymentArrangementNonvestedAwardCostNotYetRecognizedAmountRemainderOfFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_ShareBasedPaymentArrangementNonvestedAwardCostNotYetRecognizedAmountYearOne" abstract="false" name="ShareBasedPaymentArrangementNonvestedAwardCostNotYetRecognizedAmountYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_ShareBasedPaymentArrangementNonvestedAwardCostNotYetRecognizedAmountThereafter" abstract="false" name="ShareBasedPaymentArrangementNonvestedAwardCostNotYetRecognizedAmountThereafter" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_NonemployeeServicesTransactionQuarterlyFee" abstract="false" name="NonemployeeServicesTransactionQuarterlyFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_ExecutiveAndOtherACMEmployeesMember" abstract="true" name="ExecutiveAndOtherACMEmployeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_PreferredCATMSalesAgreementMember" abstract="true" name="PreferredCATMSalesAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_A2023CommonStockATMSalesAgreementMember" abstract="true" name="A2023CommonStockATMSalesAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_PreferredStockUndesignatedSharesAuthorized" abstract="false" name="PreferredStockUndesignatedSharesAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="arr_PreferredStockDesignatedButUnissuedSharesAuthorized" abstract="false" name="PreferredStockDesignatedButUnissuedSharesAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="arr_SaleOfStockCommissionRate" abstract="false" name="SaleOfStockCommissionRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="arr_CommonStockAdditionalSharesAuthorized" abstract="false" name="CommonStockAdditionalSharesAuthorized" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="arr_ATMSalesAgreementMember" abstract="true" name="ATMSalesAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_August2025PublicOfferingMember" abstract="true" name="August2025PublicOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_DividendReinvestmentProgramPerSharePrice" abstract="false" name="DividendReinvestmentProgramPerSharePrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="arr_BookToTaxDifferencesAbstract" abstract="true" name="BookToTaxDifferencesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="arr_EffectiveTaxableIncomeReconciliationReversalOfIncome" abstract="false" name="EffectiveTaxableIncomeReconciliationReversalOfIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_EffectiveTaxableIncomeReconciliationTradingSecuritiesAgencySecurities" abstract="false" name="EffectiveTaxableIncomeReconciliationTradingSecuritiesAgencySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_EffectiveTaxableIncomeReconciliationTradingSecuritiesUSTreasurySecurities" abstract="false" name="EffectiveTaxableIncomeReconciliationTradingSecuritiesUSTreasurySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_EffectiveTaxableIncomeReconciliationChangesInDerivatives" abstract="false" name="EffectiveTaxableIncomeReconciliationChangesInDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_EffectiveTaxableIncomeReconciliationAmortizationOfFinancingCostsAndDiscounts" abstract="false" name="EffectiveTaxableIncomeReconciliationAmortizationOfFinancingCostsAndDiscounts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_EffectiveTaxableIncomeReconciliationAmortizationOfDeferredTreasuryFutureGains" abstract="false" name="EffectiveTaxableIncomeReconciliationAmortizationOfDeferredTreasuryFutureGains" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_EffectiveTaxableIncomeReconciliationOtherAdjustments" abstract="false" name="EffectiveTaxableIncomeReconciliationOtherAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_EstimatedREITTaxableIncome" abstract="false" name="EstimatedREITTaxableIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_DerivativeInstrumentUnrealizedGainLossYetToBeRecognized" abstract="false" name="DerivativeInstrumentUnrealizedGainLossYetToBeRecognized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_AggregateTaxBasisStockholdersEquityInExcessOfAssetsAndLiabilities" abstract="false" name="AggregateTaxBasisStockholdersEquityInExcessOfAssetsAndLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_AggregateTaxBasisStockholdersEquityInExcessOfAssetsAndLiabilitiesPerShare" abstract="false" name="AggregateTaxBasisStockholdersEquityInExcessOfAssetsAndLiabilitiesPerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="arr_ArmourManagementAgreementMember" abstract="true" name="ArmourManagementAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_OtherExpensesReimbursedMember" abstract="true" name="OtherExpensesReimbursedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_UncommittedRevolvingCreditFacilityAndSecurityAgreementMember" abstract="true" name="UncommittedRevolvingCreditFacilityAndSecurityAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_ManagementFeesWaivedMember" abstract="true" name="ManagementFeesWaivedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_ManagementAgreementAutomaticRenewalPeriod" abstract="false" name="ManagementAgreementAutomaticRenewalPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="arr_ManagementAgreementPeriodOfWrittenNoticeOfTermination" abstract="false" name="ManagementAgreementPeriodOfWrittenNoticeOfTermination" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="arr_RelatedPartyTransactionsMaximumLendingCapacity" abstract="false" name="RelatedPartyTransactionsMaximumLendingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="arr_ARMOURManagementFeesMember" abstract="true" name="ARMOURManagementFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="arr_ManagementFeeExpenseMember" abstract="true" name="ManagementFeeExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
