Better Home & Finance director lists 1.22M Class B shares

Class B shares are convertible one-for-one at the holder’s option and can automatically convert under specified transfer, ownership, voting, or founder-related conditions.

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) reports indirect share positions associated with director Steven Sarracino: 1,217,972 Class B shares held for the account of Better Voyager Partners Limited and 72,206 Class A shares held for the accounts of certain private limited partnerships known as the AV III Funds, as of October 5, 2026. Sarracino disclaims beneficial ownership except to the extent of any pecuniary interest.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Sarracino Steven

Role Director

Type	Security	Shares	Price	Value
holding	Class B Common Stock F2, F3, F4, F5, F6	--	--	--
holding	Class A Common Stock F1, F6	--	--	--

Holdings After Transaction: Class B Common Stock — 1,217,972 contracts (Indirect, See footnotes); Class A Common Stock — 72,206 shares (Indirect, See footnotes)

Footnotes (6)

1. F1. The securities reported in this row are held for the account of Better Voyager Partners Limited, a Cayman Islands company limited by shares ("Better Voyager Partners"). Steven Sarracino (the "Reporting Person") is a director of the sole shareholder of Better Voyager Partners and is the sole manager and member of the ultimate general partner of the entity that controls the sole shareholder of Better Voyager Partners.
2. F2. Each share of Class B Common Stock is convertible at any time at the option of the holder into one share of Class A Common Stock and has no expiration date.
3. F3. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock, as further described in the Issuer's amended and restated certificate of incorporation: (i) upon the occurrence of any transfer, except for certain permitted transfers; (ii) at such time as the number of shares of Class B Common Stock outstanding ceases to represent at least 5% of the total number of shares of Common Stock outstanding; (iii) upon the vote of holders of Class B Common Stock representing at least 85% of the voting power of the outstanding Class B Common Stock; and (iv) on such date as specified by the Issuer's board of directors following the death or permanent disability of the Issuer's founder.
4. F4. The securities reported in this row are held for the accounts of certain private limited partnerships (collectively, the "AV III Funds").
5. F5. Activant Ventures Advisors III, LLC, a Delaware limited liability company ("AVA III LLC"), is the general partner of each of the AV III Funds. Activant Capital Management, LP, a Delaware limited partnership ("ACM LP"), is the investment advisor of each of the AV III Funds. The Reporting Person is the manager of AVA III LLC and the managing member of the general partner of ACM LP.
6. F6. The Reporting Person disclaims beneficial ownership of the securities reported herein for purposes of Section 16 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), except to the extent of his pecuniary interest therein, if any. This report shall not be deemed an admission that the Reporting Person, AVA III LLC, ACM LP, or any other person is a beneficial owner of any such securities for purposes of Section 16 of the Exchange Act or for any other purpose.

Key Figures

Class B Common Stock position: 1,217,972 shares Class A Common Stock position: 72,206 shares Class B conversion ratio: 1 Class A share per Class B share +2 more

5 metrics

Class B Common Stock position 1,217,972 shares Held for the account of Better Voyager Partners Limited as of October 5, 2026

Class A Common Stock position 72,206 shares Held for the accounts of certain private limited partnerships known as the AV III Funds as of October 5, 2026

Class B conversion ratio 1 Class A share per Class B share Each Class B share is convertible at any time at the holder’s option

Automatic conversion ownership threshold 5% of total shares of Common Stock outstanding Automatic conversion occurs if Class B shares cease to represent at least this amount

Automatic conversion voting threshold 85% of the voting power of outstanding Class B Common Stock Threshold for a vote by holders of Class B Common Stock

Key Terms

Class B Common Stock, permitted transfers, beneficial ownership, pecuniary interest

4 terms

Class B Common Stock technical

"Each share of Class B Common Stock is convertible"

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.

permitted transfers technical

"except for certain permitted transfers"

beneficial ownership regulatory

"disclaims beneficial ownership of the securities reported herein"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

pecuniary interest financial

"except to the extent of his pecuniary interest therein"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What shares are listed in BETR director Steven Sarracino’s Form 3?

Better Voyager Partners Limited held 1,217,972 Class B shares, and certain private limited partnerships collectively called the AV III Funds held 72,206 Class A shares, as of October 5, 2026. The positions are reported as indirect; Sarracino disclaims beneficial ownership except to the extent of any pecuniary interest.

How can BETR Class B shares convert into Class A shares?

Each Class B share is convertible at any time at the holder’s option into one Class A share and has no expiration date. It converts automatically upon a transfer other than certain permitted transfers, if Class B shares cease to represent at least 5% of total common shares outstanding, upon a vote representing at least 85% of the voting power of outstanding Class B shares, or on a board-specified date following the founder’s death or permanent disability.

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

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Available on EDGAR 10/15/2026 - 04:01 PM EDT Accepted by SEC EDGAR 10/15/2026 - 04:01 PM EDT Learn about SEC filing dates

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Sarracino Steven

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WTC, 285 FULTON STREET, FLOOR 80, A

(Street)

NEW YORK NEW YORK 10007

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
10/05/2026

3. Issuer Name and Ticker or Trading Symbol
Better Home & Finance Holding Co [ BETR ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Class A Common Stock	72,206	I	See footnotes(1)(6)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Class B Common Stock(2)(3)	(2)(3)	(2)(3)	Class A Common Stock	1,217,972	(2)(3)	I	See footnotes(4)(5)(6)

Explanation of Responses:

1. The securities reported in this row are held for the account of Better Voyager Partners Limited, a Cayman Islands company limited by shares ("Better Voyager Partners"). Steven Sarracino (the "Reporting Person") is a director of the sole shareholder of Better Voyager Partners and is the sole manager and member of the ultimate general partner of the entity that controls the sole shareholder of Better Voyager Partners.

2. Each share of Class B Common Stock is convertible at any time at the option of the holder into one share of Class A Common Stock and has no expiration date.

3. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock, as further described in the Issuer's amended and restated certificate of incorporation: (i) upon the occurrence of any transfer, except for certain permitted transfers; (ii) at such time as the number of shares of Class B Common Stock outstanding ceases to represent at least 5% of the total number of shares of Common Stock outstanding; (iii) upon the vote of holders of Class B Common Stock representing at least 85% of the voting power of the outstanding Class B Common Stock; and (iv) on such date as specified by the Issuer's board of directors following the death or permanent disability of the Issuer's founder.

4. The securities reported in this row are held for the accounts of certain private limited partnerships (collectively, the "AV III Funds").

5. Activant Ventures Advisors III, LLC, a Delaware limited liability company ("AVA III LLC"), is the general partner of each of the AV III Funds. Activant Capital Management, LP, a Delaware limited partnership ("ACM LP"), is the investment advisor of each of the AV III Funds. The Reporting Person is the manager of AVA III LLC and the managing member of the general partner of ACM LP.

6. The Reporting Person disclaims beneficial ownership of the securities reported herein for purposes of Section 16 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), except to the extent of his pecuniary interest therein, if any. This report shall not be deemed an admission that the Reporting Person, AVA III LLC, ACM LP, or any other person is a beneficial owner of any such securities for purposes of Section 16 of the Exchange Act or for any other purpose.

	/s/ Steven Sarracino	10/15/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)