Insider Smith trades Better Home (NASDAQ: BETR) shares and settles RSU taxes

Rhea-AI Filing Summary

Better Home & Finance Holding Co executive Chad M. Smith, President & COO of Better Mortgage, reported a mix of stock sales, tax‑related share withholdings, and RSU vesting in Class A common stock.

On March 15, 2026, restricted stock units representing 4,834 shares were exercised into Class A common stock at a $0.00 conversion price, increasing his direct holdings. To cover taxes on RSU vesting, the issuer withheld 2,266 shares on March 13, 2026 at $32.90 per share and 2,460 shares on March 16, 2026 at $34.45 per share; these are tax-withholding dispositions, not market sales.

Separately, a trust associated with Smith executed open‑market sales of 2,567 shares on March 16, 2026 at a weighted average price of $29.8025 per share, and 2,374 shares on March 17, 2026 at a weighted average price of $28.5131 per share, across price ranges disclosed in the footnotes. After these transactions, the filing shows 4,941 shares held directly and 18,575 shares held indirectly through a trust.

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

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

X

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)
03/13/2026

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	03/13/2026		F(1)		2,266	D	$32.9	2,567	D
Class A Common Stock	03/16/2026		S		2,567	D	$29.8025(2)	20,949	I	By Trust
Class A Common Stock	03/15/2026		M		4,834	A	$0	7,401	D
Class A Common Stock	03/16/2026		F(3)		2,460	D	$34.45	4,941	D
Class A Common Stock	03/17/2026		S		2,374	D	$28.5131(4)	18,575	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)	(5)	03/15/2026		M			4,834	(6)	(6)	Class A Common Stock	4,834	$0	0	D

Explanation of Responses:

1. Represents shares of Class A common stock withheld to pay taxes upon vesting of restricted stock units held by the Reporting Person, which vesting occured on March 1, 2026. The number of shares withheld was determined on March 13, 2026, based on the closing price of the Issuer's Class A common stock on February 27, 2026.

2. The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $29.70 to $30.04 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

3. Represents shares of Class A common stock withheld to pay taxes upon the vesting of restricted stock units held by the Reporting Person, which vesting occured on March 15, 2026. The number of shares withheld was determined on March 16, 2026, based on the closing price of the Issuer's Class A common stock on March 13, 2026.

4. The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $28.20 to $28.77 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

5. Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

6. 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	03/17/2026
	** 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 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 transactions did BETR executive Chad M. Smith report?

Chad M. Smith reported RSU vesting, tax-related share withholdings, and open-market sales of Class A common stock. The filing covers multiple dates in March 2026 and distinguishes between routine tax withholding and discretionary sales through a trust.

How many Better Home (BETR) shares did Chad M. Smith sell?

A trust associated with Chad M. Smith sold 2,567 shares on March 16, 2026 and 2,374 shares on March 17, 2026. Both were open-market sales of Class A common stock at disclosed weighted average prices and documented price ranges.

At what prices were the BETR shares sold in the open market?

The March 16, 2026 sale had a weighted average price of $29.8025 per share with a $29.70–$30.04 range. The March 17, 2026 sale averaged $28.5131 per share within a $28.20–$28.77 price range, according to the footnotes.

What RSU activity did the Better Home (BETR) Form 4 disclose?

The Form 4 shows restricted stock units representing 4,834 shares converting into Class A common stock at a $0.00 exercise price on March 15, 2026. Footnotes explain each RSU gives the right to receive one share and outline the vesting schedule through March 15, 2026.

Were any of Chad M. Smith’s BETR share disposals for tax withholding?

Yes. The issuer withheld 2,266 shares on March 13, 2026 at $32.90 and 2,460 shares on March 16, 2026 at $34.45 to pay taxes on RSU vesting. These F-code transactions are tax-withholding dispositions, not open-market sales.

How many Better Home (BETR) shares does Chad M. Smith hold after these transactions?

After the reported transactions, the filing lists 4,941 shares of Class A common stock held directly and 18,575 shares held indirectly through a trust. These figures come from the post-transaction share balances reported for direct and indirect ownership.