BETR Form 4: General Counsel reports conversion and ownership increase

Rhea-AI Filing Summary

Insider transaction by Paula Tuffin, General Counsel and CCO of Better Home & Finance Holding Co (BETR). The filing shows a September 10, 2025 transaction in which the reporting person acquired 15,421 shares of Class A Common Stock at a $0 price and also acquired 15,421 shares of Class B Common Stock (derivative), each Class B share being convertible into one Class A share.

Following the reported transactions, Ms. Tuffin directly beneficially owns 35,121 shares of Class A Common Stock and indirectly beneficially owns 16,442 shares through the Technology Stock Holding Master Trust/Series Tuffin 2021 Trust. The Form 4 was signed by attorney-in-fact Andrew Holt on September 15, 2025.

Positive

• Acquisition disclosed: Reporting person acquired 15,421 Class A Common Stock shares and 15,421 Class B shares convertible into Class A
• Clear beneficial ownership reporting: After the transaction the filing shows 35,121 shares directly beneficially owned and 16,442 indirectly owned via trust

Negative

• None.

Insights

Financial Analyst

TL;DR: Insider acquired Class A and Class B shares, increasing direct and indirect beneficial ownership; transaction appears routine rather than transformative.

The filing documents an insider acquisition of 15,421 Class A shares (reported at $0) and 15,421 Class B shares convertible into Class A. Direct beneficial ownership after the transaction is reported as 35,121 Class A shares, with an additional 16,442 shares held indirectly via a trust. The transaction does not include cash consideration and appears to reflect conversion/transfer mechanics rather than a market purchase. Impact on capital structure or control is not indicated in the filing.

Corporate Governance Expert

TL;DR: Filing discloses insider consolidation of ownership via direct and trust holdings; no governance change or control shift reported.

The report specifies that each Class B share is convertible into one Class A share and outlines automatic conversion triggers. The reporting person is an officer (General Counsel and CCO). Beneficial ownership increases are documented both directly and indirectly, but no changes to board composition, executive roles, or voting control thresholds are stated. The disclosure is consistent with standard Section 16 reporting for internal transfers and conversions.

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).

1. Name and Address of Reporting Person^*

Tuffin Paula

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE CENTER, 80TH FLOOR SUITE 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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	General Counsel and CCO

3. Date of Earliest Transaction (Month/Day/Year)
09/10/2025

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	09/10/2025		C		15,421	A	$0	35,121	D
Class A Common Stock								16,442	I	By Technology Stock Holding Master Trust/Series Tuffin 2021 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
Class B Common Stock	(1)	09/10/2025		C			15,421	(1)	(1)	Class A Common Stock	15,421	$0	1,952	D

Explanation of Responses:

1. Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better's founder.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	09/15/2025
	** 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 transaction did Paula Tuffin report on Form 4 for BETR?

The Form 4 reports that on 09/10/2025 Ms. Tuffin acquired 15,421 Class A Common Stock shares (price reported as $0) and 15,421 Class B Common Stock derivative shares.

How many BETR shares does Paula Tuffin beneficially own after the reported transaction?

The filing shows Ms. Tuffin directly beneficially owns 35,121 Class A shares following the transaction and indirectly owns 16,442 shares through a trust.

What is notable about the Class B shares reported in the Form 4?

Each Class B share is convertible into one Class A share and conversion may occur automatically under certain conditions specified in the issuer's charter, as explained in the filing.

What role does Paula Tuffin hold at Better Home & Finance Holding Co?

The Form 4 identifies Paula Tuffin as an Officer serving as General Counsel and Chief Compliance Officer (CCO).

Who signed the Form 4 and when was it signed?

The Form 4 was signed by /s/ Andrew Holt, Attorney-in-Fact on 09/15/2025 according to the filing.