Better Home CEO exercises 3,167 BETR RSUs

Better Home & Finance Holding Co Chief Executive Officer Vishal Garg reported an exercise of derivative awards that delivered Class A common shares.

Rhea-AI Filing Summary

Better Home & Finance Holding Co Chief Executive Officer Vishal Garg reported an exercise of derivative awards that delivered Class A common shares. On March 1, 2026, he exercised 3,167 Restricted Stock Units (Class A), receiving 3,167 shares of Class A Common Stock at a price of $0.00 per share.

After this conversion, Garg directly owned 31,364 shares of Class A common stock. Each restricted stock unit represents a contingent right to receive one share, with vesting scheduled in installments from July 1, 2025 through March 15, 2026.

Insider Trade Summary

3,167 shares exercised/converted

Exercise 2 txns

Insider Garg Vishal

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units (Class A)	3,167	$0.00	$0.00
Exercise	Class A Common Stock	3,167	$0.00	$0.00

Holdings After Transaction: Restricted Stock Units (Class A) — 3,167 contracts (Direct); Class A Common Stock — 31,364 shares (Direct)

Footnotes (2)

1. F1. Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.
2. F2. 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.

FAQ

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What insider transaction did BETR CEO Vishal Garg report on this Form 4?

Vishal Garg reported exercising derivative awards that converted into Class A common shares. On March 1, 2026, 3,167 Restricted Stock Units were exercised, delivering 3,167 shares of Better Home & Finance Holding Co Class A Common Stock at $0.00 per share.

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

After the March 1, 2026 derivative exercise, Vishal Garg directly owned 31,364 shares of Better Home & Finance Holding Co Class A Common Stock. This reflects the addition of 3,167 shares received upon conversion of vested Restricted Stock Units reported in the same Form 4 filing.

What type of security did the BETR Restricted Stock Units convert into?

Each Restricted Stock Unit converted into one share of Better Home & Finance Holding Co Class A Common Stock. The March 1, 2026 transaction shows 3,167 Restricted Stock Units turning into 3,167 Class A shares, consistent with the one-for-one conversion described in the footnotes.

Were any open-market purchases or sales of BETR stock reported in this Form 4?

No open-market purchases or sales were reported. The Form 4 reflects an “M” code transaction, indicating an exercise or conversion of derivative securities, where 3,167 Restricted Stock Units converted into 3,167 Class A Common shares at a price of $0.00 per share.

What is the vesting schedule for Vishal Garg’s BETR Restricted Stock Units?

The Restricted Stock Units vest in three stages: 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, as described in the footnotes.

How are the BETR Restricted Stock Units structured for Vishal Garg?

Each Restricted Stock Unit represents a contingent right to receive one share of Better Home & Finance Holding Co Class A Common Stock. Units vest over time on specified dates from July 1, 2025 through March 15, 2026, then convert into Class A shares upon vesting and settlement.

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Accepted by SEC EDGAR 03/03/2026 - 07:30 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)
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		3,167	A	$0	31,364	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
Restricted Stock Units (Class A)	(1)	03/01/2026		M			3,167	(2)	(2)	Class A Common Stock	3,167	$0	3,167	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.

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.