Better Home & Finance CAO exercises 3,167 RSUs

Better Home & Finance Holding Co reported that CAO and Senior Counsel Nicholas J. Calamari exercised 3,167 restricted stock units into 3,167 shares of Class A Common Stock at $0.00 per share on October 1, 2025.

Rhea-AI Filing Summary

Better Home & Finance Holding Co reported that CAO and Senior Counsel Nicholas J. Calamari exercised 3,167 restricted stock units into 3,167 shares of Class A Common Stock at $0.00 per share on October 1, 2025. Of these shares, 1,277 were withheld to satisfy tax obligations at $56.83 per share. He now holds 11,341 Class A shares directly and 19,000 restricted stock units that vest in installments through March 15, 2026.

Insights

Insider Transactions Analyst

Insider received 3,167 RSUs while selling 1,277 shares on 10/01/2025.

The filing shows a grant of 3,167 restricted stock units that convert into Class A shares and a contemporaneous sale of 1,277 Class A shares at $56.83 per share. The reporter's derivative holdings are listed as 19,000 RSU-based units after the transaction.

Because the RSUs vest on a defined schedule (starting July 1, 2025 and completing March 15, 2026), the grant is compensation-linked rather than an open-market purchase; the sale reduced his direct share count by 1,277 immediately.

Insider Trade Summary

3,167 shares exercised/converted

Exercise 3 txns

Insider Nicholas J. Calamari

Role CAO and Senior Counsel

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units (Class A)	3,167	$0.00	$0.00
Exercise	Class A Common Stock	3,167	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	1,277	$56.83	$73K

Holdings After Transaction: Restricted Stock Units (Class A) — 19,000 contracts (Direct); Class A Common Stock — 11,341 shares (Direct)

Footnotes (2)

1. F1. Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock.
2. F2. The restricted stock units will vest with respect to (i) 3/12ths of such restricted stock units on July 1, 2025, (ii) 8/12ths of such restricted stock units in equal monthly installments beginning on August 1, 2025 through March 1, 2026, and (iii) the remaining 1/12th of such restricted stock units on March 15, 2026.

Key Figures

RSUs exercised: 3167.0000 shares Tax-withheld shares: 1277.0000 shares Tax withholding price: $56.8300 per share +2 more

5 metrics

RSUs exercised 3167.0000 shares Restricted Stock Units converted to Class A Common Stock on October 1, 2025

Tax-withheld shares 1277.0000 shares Shares withheld to cover tax obligations from RSU vesting

Tax withholding price $56.8300 per share Per-share value used for tax-withholding disposition of 1,277 shares

Common shares held 11,341 shares Direct Class A Common Stock holdings after reported transactions

RSUs remaining 19,000 units Restricted Stock Units outstanding following partial vesting and exercise

Key Terms

Restricted Stock Units, tax-withholding disposition, contingent right

3 terms

Restricted Stock Units financial

"Each restricted stock unit represents a contingent right to receive one share"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

tax-withholding disposition financial

"transaction_action: tax-withholding disposition of shares to cover taxes"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

contingent right financial

"represents a contingent right to receive one share of Class A Common Stock"

FAQ

What insider transaction did BETR's Nicholas J. Calamari report?

Nicholas J. Calamari exercised 3,167 restricted stock units into 3,167 Class A Common shares. On the same date, 1,277 shares were withheld to cover tax obligations at $56.83 per share, reflecting a standard RSU vesting and tax-settlement event.

How many Better Home & Finance (BETR) shares does Calamari hold after this filing?

After the reported transactions, Nicholas J. Calamari directly holds 11,341 shares of Class A Common Stock. He also retains 19,000 restricted stock units, which represent additional contingent rights to receive Class A shares as they vest over time.

How many BETR restricted stock units did Calamari exercise and at what price?

Calamari exercised 3,167 restricted stock units, receiving an equal number of Class A shares at an exercise price of $0.00 per share. Each RSU represents a contingent right to one share of Class A Common Stock upon vesting and settlement.

What portion of Calamari's BETR shares were used for tax withholding?

To satisfy tax obligations from the RSU vesting, 1,277 Class A shares were withheld at $56.8300 per share. This tax-withholding disposition reduces the net shares delivered while settling the associated tax liability for the equity award.

What is the vesting schedule of Calamari's remaining BETR restricted stock units?

The remaining RSUs vest as follows: 3/12ths on July 1, 2025, 8/12ths in equal monthly installments from August 1, 2025 through March 1, 2026, and the final 1/12th on March 15, 2026, subject to continued service conditions.

Does this BETR Form 4 indicate a discretionary sale by Calamari?

The filing shows an RSU exercise and a tax-withholding disposition of 1,277 shares, not an open-market sale. The disposition is coded F, indicating shares delivered to cover tax obligations rather than a discretionary sale into the market.

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

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Accepted by SEC EDGAR 10/03/2025 - 07:01 PM Learn about SEC filing dates

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Nicholas J. Calamari

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE CENTER, 80TH FLOOR SUITE A

(Street)

NEW YORK NY 10007

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CAO and Senior Counsel

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2025

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

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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	10/01/2025		M		3,167	A	$0	12,618	D
Class A Common Stock	10/01/2025		F		1,277	D	$56.83	11,341	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units (Class A)	(1)	10/01/2025		M			3,167	(2)	(2)	Class A Common Stock	3,167	$0	19,000	D

Explanation of Responses:

1. Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock.

2. The restricted stock units will vest with respect to (i) 3/12ths of such restricted stock units on July 1, 2025, (ii) 8/12ths of such restricted stock units in equal monthly installments beginning on August 1, 2025 through March 1, 2026, and (iii) the remaining 1/12th of such restricted stock units on March 15, 2026.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	10/03/2025
	** 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 4 (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.