[Form 4] Better Home & Finance Holding Co Insider Trading Activity

Rhea-AI Filing Summary

Nicholas J. Calamari, listed as CAO and Senior Counsel of Better Home & Finance Holding Co (BETR), reported transactions dated 10/01/2025. He received 3,167 restricted stock units (each representing a contingent right to one share of Class A common stock) and disclosed a vesting schedule that begins with 3/12ths vesting on July 1, 2025 and completes on March 15, 2026. He also sold 1,277 shares of Class A common stock at $56.83 per share. Following the reported transactions, the Form 4 shows beneficial ownership figures of 12,618 and 11,341 shares in the non-derivative table and 19,000 derivative securities (RSU basis) in the derivative table. The filing is signed by an attorney-in-fact on 10/03/2025.

Positive

• 3,167 restricted stock units granted with a clear vesting schedule (compensation alignment)
• Vesting schedule provides transparency: initial 3/12ths on July 1, 2025 and completion on March 15, 2026

Negative

• Disposal of 1,277 Class A shares at $56.83 reduced direct holdings
• Non-derivative beneficial ownership decreased from 12,618 to 11,341 following reported sale

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.

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.

FAQ

What insider activity did BETR report on 10/01/2025?

Nicholas J. Calamari received 3,167 restricted stock units and sold 1,277 Class A shares at $56.83 per share on 10/01/2025.

How do the granted RSUs vest for BETR insider?

The RSUs vest with 3/12ths on July 1, 2025, 8/12ths in equal monthly installments from Aug 1, 2025 through Mar 1, 2026, and the final 1/12th on Mar 15, 2026.

How many derivative securities does the Form 4 show after the transaction?

The Form 4 reports 19,000 derivative securities (RSU basis) beneficially owned following the transaction.

What price were the shares sold for in the reported transaction?

The sale of 1,277 Class A shares was reported at a price of $56.83 per share.

Who filed or signed the Form 4 for the reporting person?

The Form 4 was signed by /s/ Andrew Holt, Attorney-in-Fact on 10/03/2025.