BETR CEO awarded 22,381 restricted stock units

Better Home & Finance Holding Co. Chief Executive Officer and director Vishal Garg reported an acquisition of 22,381 shares of Class A common stock on February 11, 2026.

Rhea-AI Filing Summary

Better Home & Finance Holding Co. Chief Executive Officer and director Vishal Garg reported an acquisition of 22,381 shares of Class A common stock on February 11, 2026. The shares were received as a grant of restricted stock units that vested immediately at a stated price of $0 per share, bringing his directly held stake to 37,217 shares.

Insider Trade Summary

Grant/Award: 22,381 shares

Grant/Award 1 txn

Insider Garg Vishal

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Grant/Award	Class A Common Stock	22,381	$0.00	$0.00

Holdings After Transaction: Class A Common Stock — 37,217 shares (Direct)

Footnotes (1)

1. F1. Represents a grant of restricted stock units that vested immediately.

FAQ

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

What insider transaction did BETR CEO Vishal Garg report on February 11, 2026?

Vishal Garg reported acquiring 22,381 shares of Class A common stock on February 11, 2026. The shares came from a grant of restricted stock units that vested immediately at a stated price of $0 per share, increasing his directly held position to 37,217 shares.

Was the February 11, 2026 BETR insider transaction a purchase or an equity grant?

The February 11, 2026 transaction was an equity grant, not an open-market purchase. Vishal Garg received 22,381 shares as restricted stock units that vested immediately, recorded at a price of $0 per share, reflecting compensation rather than a cash-funded stock purchase.

How many Better Home & Finance (BETR) shares does Vishal Garg own after this Form 4?

After this Form 4 transaction, Vishal Garg beneficially owns 37,217 shares of Class A common stock directly. This total reflects the addition of 22,381 shares from immediately vesting restricted stock units granted on February 11, 2026, as disclosed in the filing details.

What type of security was reported in Vishal Garg’s February 2026 BETR Form 4?

The Form 4 reports non-derivative Class A common stock of Better Home & Finance Holding Co. The 22,381 shares resulted from a grant of restricted stock units that vested immediately, rather than from exercising options or other derivative securities, and are now held directly.

Does the February 11, 2026 BETR Form 4 show any derivative securities for Vishal Garg?

The filing’s derivative securities table contains no reported derivative transactions for Vishal Garg on February 11, 2026. Only a non-derivative acquisition of 22,381 Class A common shares, arising from immediately vesting restricted stock units, is disclosed as affecting his direct beneficial ownership.

What does the footnote in Vishal Garg’s BETR Form 4 explain about the transaction?

The footnote clarifies that the reported 22,381 shares represent a grant of restricted stock units that vested immediately. This means the award converted into Class A common shares at once, at a stated price of $0 per share, and was added directly to his beneficial ownership.

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

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Accepted by SEC EDGAR 02/13/2026 - 04:17 PM EST 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^*

Garg Vishal

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE, 285 FULTON ST., FL 80, 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)

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

3. Date of Earliest Transaction (Month/Day/Year)
02/11/2026

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	02/11/2026		A(1)		22,381	A	$0	37,217	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

Explanation of Responses:

1. Represents a grant of restricted stock units that vested immediately.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	02/13/2026
	** 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.