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

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) reported insider equity activity by its Pres & COO of Better Mortgage. On 11/01/2025, 4,833 restricted stock units converted to Class A shares, and 2,455 shares were withheld to cover taxes at $73.21 per share. Following these transactions, the reporting person held 7,757 Class A shares directly and 26,372 indirectly by trust.

On 11/03/2025, two new awards of 15,000 RSUs each were granted. One RSU tranche vests on a time schedule: 3/12ths on July 1, 2025; 8/12ths in equal monthly installments from August 1, 2025 through March 1, 2026; and the remaining 1/12th on March 15, 2026. Another RSU grant is subject to both time-based vesting (25% on the one-year anniversary, then quarterly over 36 months) and a performance condition requiring a specified stock price goal to be achieved between October 1, 2025 and December 31, 2030; unearned units are forfeited.

Insights

Securities law and executive compensation analyst

Routine Form 4: RSU conversion, tax withholding, and new RSU grants.

The filing lists an RSU-to-share conversion of 4,833 and a tax withholding via share disposition of 2,455 at $73.21 on 11/01/2025. Post-transaction direct holdings are 7,757 shares, with 26,372 held indirectly by a trust. These mechanics are typical of equity award settlements.

Two new RSU awards of 15,000 each on 11/03/2025 are disclosed. One vests on a defined time schedule through March 15, 2026. The other adds a stock-price performance condition measured from October 1, 2025 to December 31, 2030, with forfeiture if unmet.

These are administrative equity events; market impact depends on vesting and any future sales by the holder, which are not described here.

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)
11/01/2025

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	11/01/2025		M		4,833	A	$0	10,212	D
Class A Common Stock	11/01/2025		F		2,455	D	$73.21	7,757	D
Class A Common Stock								26,372	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)	(1)	11/01/2025		M			4,833	(2)	(2)	Class A Common Stock	4,833	$0	24,167	D
Restricted Stock Units (Class A)	(1)	11/03/2025		A		15,000		(3)	(3)	Class A Common Stock	15,000	$0	15,000	D
Restricted Stock Units (Class A)	(1)	11/03/2025		A		15,000		(3)	(3)	Class A Common Stock	15,000	$0	15,000	D

Explanation of Responses:

1. Each restricted stock unit represents a contingent right to receive one share of the Issuer's 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.

3. The restricted stock units ("RSUs") are subject to both performance- and time-based vesting criteria. The performance-based criteria provides for the achievement of a specified stock price goal of the Issuer's Class A common stock occuring during the period beginning on October 1, 2025 and ending on December 31, 2030 (the "Performance Period"). 25% of the RSUs shall time vest on the one year anniversary of the grant date and the remainder of the RSUs shall time vest quarterly over the following 36 months, subject to the Reporting Person's continued service with the Issuer. In the event the performance criteria is not met during the Performance Period, the RSUs shall be forfeited.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	11/04/2025
	** 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 did BETR’s Pres & COO report on Form 4?

A conversion of 4,833 RSUs into Class A shares and a tax withholding of 2,455 shares at $73.21 on 11/01/2025, plus two new 15,000-RSU grants on 11/03/2025.

How many BETR shares does the insider hold after these transactions?

Direct holdings are 7,757 Class A shares, with an additional 26,372 shares held indirectly by a trust.

What are the vesting terms for the time-based RSUs at BETR?

Vesting occurs 3/12ths on July 1, 2025, 8/12ths in equal monthly installments from August 1, 2025 to March 1, 2026, and the final 1/12th on March 15, 2026.

What performance condition applies to one of the BETR RSU grants?

A specified stock price goal must be achieved between October 1, 2025 and December 31, 2030; units not meeting this are forfeited.

Were any cash proceeds reported from these BETR transactions?

The RSU conversion was at $0, and shares were withheld for taxes at $73.21; the disclosure does not state cash proceeds to the insider.

What titles and roles are disclosed for the reporting person at BETR?

The filing identifies the insider as Pres & COO, Better Mortgage.