Better Home (BETR) COO gets 4,833 shares from RSU conversion

Rhea-AI Filing Summary

Better Home & Finance Holding Co executive Chad M. Smith, President and COO of Better Mortgage, reported acquiring 4,833 shares of Class A Common Stock on March 1, 2026 through the exercise and conversion of restricted stock units at a stated price of $0.00 per share. A corresponding 4,833 restricted stock units (Class A) were exercised, leaving 4,834 restricted stock units directly held after the transaction. The filing also notes indirect ownership of 23,516 Class A shares held by a trust associated with Smith.

Insider Trade Summary

4,833 shares exercised/converted

Mixed 3 txns

Insider Smith Chad M.

Role Pres & COO, Better Mortgage

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units (Class A)	4,833	$0.00	--
Exercise	Class A Common Stock	4,833	$0.00	--
holding	Class A Common Stock	--	--	--

Holdings After Transaction: Restricted Stock Units (Class A) — 4,834 shares (Direct); Class A Common Stock — 4,833 shares (Direct); Class A Common Stock — 23,516 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 7,926 shares previously reported as directly held by the reporting person to the reporting person's Trust, which 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 the Issuer's 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
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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)
03/01/2026

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	03/01/2026		M		4,833	A	$0	4,833(1)	D
Class A Common Stock								23,516(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)	03/01/2026		M			4,833	(3)	(3)	Class A Common Stock	4,833	$0	4,834	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 7,926 shares previously reported as directly held by the reporting person to the reporting person's Trust, which 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 the Issuer's 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	03/03/2026
	** 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 transaction did BETR executive Chad M. Smith report?

Chad M. Smith reported acquiring Class A Common Stock of Better Home & Finance Holding Co through an exercise and conversion of restricted stock units on March 1, 2026. The transaction reflects equity compensation vesting rather than an open-market stock purchase or sale.

How many Better Home & Finance (BETR) shares did Chad M. Smith acquire?

Chad M. Smith acquired 4,833 shares of Class A Common Stock on March 1, 2026. These shares came from the exercise and conversion of an equal number of restricted stock units, with a reported price per share of $0.00 as part of his compensation.

What type of securities were involved in Chad M. Smith’s BETR Form 4 filing?

The filing involves restricted stock units (Class A) and Class A Common Stock of Better Home & Finance Holding Co. Smith exercised 4,833 restricted stock units, which converted into 4,833 Class A Common shares, consistent with equity compensation arrangements described in the footnotes.

What were Chad M. Smith’s Better Home & Finance holdings after the reported transactions?

After the transactions, Chad M. Smith directly held 4,834 restricted stock units and 4,833 Class A Common shares. The filing also shows indirect ownership of 23,516 Class A Common shares held by a trust, reflecting an additional block of equity tied to his beneficial interests.

What does the trust ownership in Chad M. Smith’s BETR Form 4 indicate?

The Form 4 shows 23,516 Class A Common shares held indirectly "By Trust" for Chad M. Smith. A footnote explains a prior transfer of 7,926 directly held shares to the trust as a change in ownership form under Rule 16a-13, rather than a market trade.

Is Chad M. Smith’s BETR Form 4 transaction a market buy or sell?

The Form 4 describes an exercise and conversion of restricted stock units, not an open-market buy or sell. The 4,833 Class A shares were issued at a stated price of $0.00 per share as part of Smith’s equity compensation, classified as an acquisition.