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Better Home & Finance (NASDAQ: BETR) to add HELOCs to Credit Karma partnership

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Better Home & Finance Holding Company amended its broker agreement with Intuit Credit Karma on July 28, 2026. Under the expanded partnership, Better will offer Home Equity Line of Credit (HELOC) products to Intuit Credit Karma’s U.S. consumer base of 140 million users under the “Credit Karma Home Loans powered by Better” brand.

These HELOCs will be offered alongside the Rate Term Refinance and Cash out Refinance products already available through the relationship. Better states that, once launched, HELOC offerings are expected to contribute meaningfully to its loan volume and revenue growth over the following several quarters, while noting that these expectations are forward-looking and subject to risks described in its SEC filings.

Positive

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Item 8.01 Other Events Other
Voluntary disclosure of events the company deems important to shareholders but not covered by other items.
Intuit Credit Karma U.S. consumer base 140 million consumers Size of consumer base Better can reach through the partnership
Warrant exercise price $575 Exercise price for warrants to purchase Class A common stock listed as BETRW
Par value per Class A share $0.0001 per share Par value of Better’s Class A common stock
Agreement amendment date July 28, 2026 Date Better executed the amendment to its broker agreement with Intuit Credit Karma
Home Equity Line of Credit financial
"Better will partner with Intuit Credit Karma to provide ... Home Equity Line of Credit"
A home equity line of credit (HELOC) is a revolving loan that lets a homeowner borrow against the difference between their house’s market value and remaining mortgage, much like a credit card secured by the home. Investors watch HELOC activity, rates and delinquencies because it affects consumer spending, credit risk for banks and the performance of mortgage-related assets—shifts can influence bank earnings and demand across consumer-driven sectors.
Rate Term Refinance financial
"in addition to Rate Term Refinance and Cash out Refinance products"
Cash out Refinance financial
"in addition to Rate Term Refinance and Cash out Refinance products"
forward-looking statements regulatory
"contains certain forward-looking statements within the meaning of the Private Securities"
Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.
emerging growth company regulatory
"Emerging growth company"
An emerging growth company is a recently public or smaller public firm that qualifies for temporary, lighter regulatory and disclosure rules to reduce the cost and effort of being public. For investors, it means the company may provide less historical financial detail and face fewer reporting requirements than larger firms, so it can grow more quickly but also carries higher uncertainty—like buying a promising early-stage product with fewer user reviews.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What did Better Home & Finance (BETR) announce regarding its partnership with Intuit Credit Karma?
Better Home & Finance amended its broker agreement with Intuit Credit Karma to add Home Equity Line of Credit (HELOC) products under the “Credit Karma Home Loans powered by Better” brand, expanding beyond the refinance products already offered through this partnership.

How large is the consumer base Better Home & Finance (BETR) can reach through Intuit Credit Karma?
Through this partnership, Better can target Intuit Credit Karma’s U.S. consumer base of 140 million people. These consumers already access Credit Karma’s financial tools and could be offered HELOC, Rate Term Refinance, and Cash out Refinance products powered by Better.

Which mortgage products does Better Home & Finance (BETR) currently offer via Intuit Credit Karma?
Better currently offers Rate Term Refinance and Cash out Refinance products through Intuit Credit Karma. The amended agreement will add HELOC products under the “Credit Karma Home Loans powered by Better” brand when the new offering is launched.

What impact does Better Home & Finance (BETR) expect from adding HELOC products to the Credit Karma partnership?
Better expects that, once launched, the HELOC products will contribute meaningfully to its loan volume and revenue growth over the following several quarters. This statement is forward-looking and subject to risks outlined in the company’s SEC filings.

How does Better Home & Finance (BETR) describe the risks around its expanded Credit Karma partnership?
Better classifies its expectations as forward-looking statements, noting they are subject to risks and uncertainties discussed in its Form 10-K risk factors and other SEC filings, which could cause actual outcomes to differ materially from these expectations.
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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 28, 2026
Better Home & Finance Holding Company
(Exact name of registrant as specified in its charter)
Delaware001-4014393-3029990
(State or other jurisdiction of
incorporation or organization)
(Commission File Number)
(I.R.S. Employer Identification
Number)
1 World Trade Center
285 Fulton St., 80th Floor Suite A
New York,
NY
10007
(Address of principal executive offices) (Zip Code)
(415) 523-8837
Registrant’s telephone number, including area code
N/A
(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:
☐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 classTrading Symbol(s)Name of each exchange on which registered
Class A common stock, par value $0.0001 per shareBETRThe Nasdaq Stock Market LLC
Warrants exercisable for one share of Class A common stock at an exercise price of $575BETRWThe Nasdaq Stock Market LLC
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 8.01     Other Events.
On July 28, 2026, Better Home & Finance Holding Company (the “Company” or “Better”) executed an amendment to its broker agreement with Intuit Credit Karma pursuant to which Better will partner with Intuit Credit Karma to provide Intuit Credit Karma’s consumer base, which includes 140 million consumers in the United States, Home Equity Line of Credit (“HELOC”) products under the “Credit Karma Home Loans powered by Better” brand.

Once launched, the Company expects that the offering of HELOC products, in addition to Rate Term Refinance and Cash out Refinance products currently offered through the partnership, will contribute meaningfully to the Company’s loan volume and revenue growth over the following several quarters.
Forward-Looking Statements
This Current Report on Form 8-K contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements herein that are not historical fact should be considered forward-looking statements, including, without limitation, statements and expectations regarding the Company’s strategic partnership with Intuit Credit Karma, the availability of products offered through the partnership and the partnership’s anticipated impact on the Company’s loan volume and revenue growth. In some cases, you can identify forward-looking statements by terminology such as “believe,” “may,” “will,” “estimate,” “potential,” “continue,” “anticipate,” “intend,” “expect,” “could,” “would,” “project,” “plan,” “target,” or the negatives of these terms or variations of them or similar terminology. Forward-looking statements are inherently subject to risks and uncertainties which could cause actual future events to differ materially from those expressed or implied by the forward-looking statements in this communication. These risks and uncertainties include those risks and other important factors that could affect the Company’s business, reputation, results of operations, financial condition, and stock price discussed in the section entitled “Risk Factors” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as any such factors may be updated from time to time in the Company’s other filings with the Securities and Exchange Commission (the “SEC”), which is available, free of charge, at the SEC’s website at www.sec.gov. New risks and uncertainties arise from time to time, and it is impossible for the Company to predict these events or how they may affect us. You are cautioned not to place undue reliance upon any forward-looking statements, which speak only as of the date made. The Company undertakes no obligation, except as required by law, to update or revise the forward-looking statements, whether as a result of new information, changes in expectations, future events or otherwise.


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.
BETTER HOME & FINANCE HOLDING COMPANY
Date: July 30, 2026By:/s/ Paula Tuffin
Name:Paula Tuffin
Title:General Counsel, Chief Compliance Officer and Secretary

Source: View Original Filing on SEC EDGAR

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