Better Home & Finance officer converts 4,834 RSUs; tax withholding 2,455

Rhea-AI Filing Summary

Better Home & Finance (BETR) reported an insider equity transaction by its Pres & COO of Better Mortgage. On 10/01/2025, the officer converted 4,834 restricted stock units into Class A common stock at $0 per share (code M), then had 2,455 shares withheld at $56.83 to cover taxes (code F). After these moves, the officer reported 5,379 shares held directly and 26,372 shares held indirectly via a trust.

The filing also shows 29,000 RSUs remaining. The 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. A prior transfer of 26,372 shares to a trust on September 16, 2025 was recorded as a change in form of ownership.

Insider Trade Summary

4,834 shares exercised/converted

Mixed 4 txns

Insider Smith Chad M.

Role Pres & COO, Better Mortgage

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units (Class A)	4,834	$0.00	--
Exercise	Class A Common Stock	4,834	$0.00	--
Tax Withholding	Class A Common Stock	2,455	$56.83	$140K
holding	Class A Common Stock	--	--	--

Holdings After Transaction: Restricted Stock Units (Class A) — 29,000 shares (Direct); Class A Common Stock — 7,834 shares (Direct); Class A Common Stock — 26,372 shares (Indirect, By Trust)

Footnotes (1)

1. The shares of Class A Common Stock held by the reporting person prior to the transaction reported herein reflect a transfer of 26,372 shares previously reported as directly held by the reporting person to the reporting person's Trust on September 16, 2025. The transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13. Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock. 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.

Form 4 Insider Transactions: What Each Field Means →

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^*

Smith Chad M.

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE CENTER, 80TH FLOOR SUITE A

(Street)

NEW YORK NY 10013

(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)
	Pres & COO, Better Mortgage

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		4,834	A	$0	7,834(1)	D
Class A Common Stock	10/01/2025		F		2,455	D	$56.83	5,379	D
Class A Common Stock								26,372(1)	I	By Trust

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)	(2)	10/01/2025		M			4,834	(3)	(3)	Class A Common Stock	4,834	$0	29,000	D

Explanation of Responses:

1. The shares of Class A Common Stock held by the reporting person prior to the transaction reported herein reflect a transfer of 26,372 shares previously reported as directly held by the reporting person to the reporting person's Trust on September 16, 2025. The transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13.

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

3. 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 transaction did BETR report on Form 4?

The Pres & COO settled 4,834 RSUs into Class A shares at $0 and had 2,455 shares withheld at $56.83 for taxes on 10/01/2025.

How many BETR shares does the officer own after the transaction?

The officer reported 5,379 shares held directly and 26,372 shares held indirectly via a trust.

How many RSUs remain for the BETR officer?

The filing shows 29,000 restricted stock units remaining.

What is the vesting schedule for the RSUs?

Vesting is 3/12ths on July 1, 2025, 8/12ths in monthly installments from Aug 1, 2025 to Mar 1, 2026, and 1/12th on Mar 15, 2026.

Was there a change in ownership form noted?

Yes. 26,372 shares were transferred to a trust on Sept 16, 2025 as a change in form of ownership under Rule 16a-13.

Which transaction codes were used in the filing?

Code M for RSU conversion and code F for shares withheld to cover taxes.