Vishal Garg moves against Better Home & Finance (BETR) board

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) is the subject of a consent solicitation led by Vishal Garg and affiliated entities (the “Garg Group”). The group has filed a preliminary consent statement and a GREEN consent card seeking written consents for, among other items, the removal of five directors from the company’s board. The participants include Mr. Garg, 1/0 Real Estate, LLC, 1/0 Holdco, LLC and The 718 4Ever Trust I. 1/0 Real Estate, LLC beneficially owns 130,455 shares of Class B common stock, 1/0 Holdco, LLC may be deemed to beneficially own those same shares, and The 718 4Ever Trust I beneficially owns 465,517 shares of Class B common stock. Mr. Garg beneficially owns 118,260 shares of Class A common stock, 387,137 options to purchase Class B common shares, and 1,523,827 shares of Class B common stock, each Class B share being convertible into one Class A share.

Key Figures

Directors proposed to be removed: 5 directors 1/0 Real Estate, LLC Class B Common Stock: 130,455 shares The 718 4Ever Trust I Class B Common Stock: 465,517 shares +3 more

6 metrics

Directors proposed to be removed 5 directors Number of board members targeted by the Garg Group’s consent solicitation

1/0 Real Estate, LLC Class B Common Stock 130,455 shares Directly beneficially owned Class B shares, each convertible into one Class A share

The 718 4Ever Trust I Class B Common Stock 465,517 shares Directly beneficially owned Class B shares, each convertible into one Class A share

Vishal Garg Class A Common Stock 118,260 shares Shares of Class A common stock beneficially owned by Mr. Garg

Vishal Garg Class B options 387,137 options Currently exercisable options to purchase Class B common stock beneficially owned by Mr. Garg

Vishal Garg Class B Common Stock 1,523,827 shares Class B shares beneficially owned by Mr. Garg, each convertible into one Class A share

Key Terms

consent solicitation, beneficially owns, Class B common stock, Class A common stock, +1 more

5 terms

consent solicitation regulatory

"to be used to solicit written consents with respect to, among other things"

A consent solicitation is a formal request sent to shareholders or creditors asking them to sign off on a proposed corporate change—such as altering governance rules, approving a deal, or waiving contract terms—without holding a full meeting. It matters to investors because it can quickly change their rights, voting power or the company’s direction, much like asking neighbors to sign a petition to alter a shared fence rather than discussing it at a community meeting.

beneficially owns financial

"1/0 Real Estate, LLC directly beneficially owns 130,455 shares of the Company’s Class B"

Beneficially owns means a person or entity enjoys the economic benefits and control of a security even if the legal title or registration is held in another name. Think of it like having the keys and profits from a car that is registered to a friend: you use it, benefit from it, and make decisions about it even though the official paperwork lists someone else. For investors, this matters because it reveals who truly controls shares, affects voting power, potential conflicts of interest, and regulatory disclosure obligations.

Class B common stock financial

"130,455 shares of the Company’s Class B common stock, par value $0.0001 per share"

A class B common stock is one of multiple types of a company’s ordinary shares that carries specific rights—often different voting power or dividend priority—compared with other classes. For investors it matters because those differences affect how much influence you have over company decisions, the income you might receive, and how freely the shares trade; think of it like owning a car with different keys: some keys let you start the engine and open the trunk, others only unlock the door.

Class A common stock financial

"each share of which may be converted into the same number of shares of the Company’s Class A"

Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.

GREEN consent card regulatory

"a preliminary consent statement and an accompanying GREEN consent card"

Compensation Summary

Compensation details

Key Proposals

• Removal of five directors from the board of Better Home & Finance Holding Company

FAQ

What governance action is being proposed at Better Home & Finance Holding Co (BETR)?

Vishal Garg and affiliated entities have initiated a consent solicitation using a GREEN consent card seeking, among other things, the removal of five directors from the board of Better Home & Finance Holding Co.

Who are the participants in the BETR consent solicitation led by Vishal Garg?

The participants are Vishal Garg, 1/0 Real Estate, LLC, 1/0 Holdco, LLC and The 718 4Ever Trust I, collectively referred to as the “Garg Group.”

How many BETR shares does 1/0 Real Estate, LLC beneficially own?

1/0 Real Estate, LLC directly beneficially owns 130,455 shares of Better Home & Finance Holding Co’s Class B common stock, each share of which is convertible into one share of Class A common stock.

What is The 718 4Ever Trust I’s stake in Better Home & Finance Holding Co (BETR)?

The 718 4Ever Trust I directly beneficially owns 465,517 shares of BETR’s Class B common stock, which may be converted into the same number of shares of Class A common stock.

What securities of BETR does Vishal Garg personally beneficially own?

Vishal Garg beneficially owns 118,260 shares of Class A common stock, 387,137 currently exercisable options to purchase Class B common stock, and 1,523,827 shares of Class B common stock, each convertible into one Class A share.

How can BETR stockholders access the Garg Group’s consent materials?

The Garg Group states that consent materials, including the consent statement and GREEN consent card, will be available at no charge on the SEC’s website and can also be requested from the participants’ consent solicitor once available.

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Available on EDGAR 08/27/2026 - 02:25 PM Accepted by SEC EDGAR 08/27/2026 - 02:25 PM Learn about SEC filing dates

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

SCHEDULE 14A

(Rule 14a-101)

INFORMATION REQUIRED IN PROXY STATEMENT

SCHEDULE 14A INFORMATION

Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

(Amendment No. )

Filed by the Registrant ☐

Filed by a Party other than the Registrant ☒

Check the appropriate box:

☐ Preliminary Proxy Statement

☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))

☐ Definitive Proxy Statement

☐ Definitive Additional Materials

☒ Soliciting Material Under § 240.14a-12

BETTER HOME & FINANCE HOLDING COMPANY

(Name of Registrant as Specified In Its Charter)

VISHAL GARG

1/0 REAL ESTATE, LLC

1/0 HOLDCO, LLC

THE 718 4EVER TRUST I

(Name of Persons(s) Filing Proxy Statement, if other than the Registrant)

Payment of Filing Fee (Check all boxes that apply):

☒ No fee required

☐ Fee paid previously with preliminary materials

☐ Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11

Vishal Garg (“Mr. Garg”), together with the other participants named herein (collectively, the “Garg Group”), has filed a preliminary consent statement and an accompanying GREEN consent card with the Securities and Exchange Commission (the “SEC”) to be used to solicit written consents with respect to, among other things, the removal of five (5) directors on the board of the directors (the “Board”) of Better Home & Finance Holding Company, a Delaware corporation  (“Better Home,” “BETR” or the “Company”).

On August 24 and August 25, 2026, Mr. Garg sent messages to an XChat group, which included other stockholders of the Company, and are attached hereto as Exhibit 1 and incorporated herein by reference.

CERTAIN INFORMATION CONCERNING THE PARTICIPANTS

Vishal Garg (“Mr. Garg”) and the other participants named herein (collectively, the “Garg Group”) have filed a preliminary consent statement and accompanying GREEN consent card with the Securities and Exchange Commission (“SEC”) to be used to solicit written consents with respect to, among other things, the removal of five (5) directors on the board of directors of Better Home & Finance Holding Company, a Delaware corporation (the “Company”).

THE PARTICIPANTS STRONGLY ADVISE ALL STOCKHOLDERS OF THE COMPANY TO READ THE CONSENT STATEMENT AND OTHER CONSENT MATERIALS, INCLUDING A GREEN CONSENT CARD, AS THEY BECOME AVAILABLE BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION. SUCH CONSENT MATERIALS WILL BE AVAILABLE AT NO CHARGE ON THE SEC’S WEB SITE AT HTTP://WWW.SEC.GOV. IN ADDITION, THE PARTICIPANTS IN THIS CONSENT SOLICITATION WILL PROVIDE COPIES OF THE CONSENT STATEMENT WITHOUT CHARGE, WHEN AVAILABLE, UPON REQUEST. REQUESTS FOR COPIES SHOULD BE DIRECTED TO THE PARTICIPANTS’ CONSENT SOLICITOR.

The participants in the consent solicitation are expected to be Mr. Garg, 1/0 Real Estate, LLC, 1/10 Holdco, LLC and The 718 4Ever Trust I.

As of the date hereof, 1/0 Real Estate, LLC directly beneficially owns 130,455 shares of the Company’s Class B common stock, par value $0.0001 per share (the “Class B Common Stock”), each share of which may be converted into the same number of shares of the Company’s Class A Common Stock, par value $0.0001 per share (the “Class A Common Stock”). As of the date hereof, 1/0 Holdco, LLC, as the sole member of 1/0 Real Estate LLC, may be deemed to beneficially own the 130,455 shares of Class B Common Stock directly beneficially owned by 1/0 Real Estate, LLC. As of the date hereof, The 718 4Ever Trust I directly beneficially owns 465,517 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock. As of the date hereof, Mr. Garg beneficially owns (i) 118,260 shares of Class A Common Stock, (ii) 387,137 currently exercisable options to purchase shares of Class B Common Stock, and (iii) 1,523,827 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock.