Better Home & Finance COO exercises 5,000 RSUs

Better Home & Finance Holding Co (BETR) reported that Chad M. Smith, Pres & COO of Better Mortgage, exercised 5,000 Restricted Stock Units (Class A) on August 6, 2026, receiving 5,000 shares of Class A Common Stock at a stated price of $0.00 per share.

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) reported that Chad M. Smith, Pres & COO of Better Mortgage, exercised 5,000 Restricted Stock Units (Class A) on August 6, 2026, receiving 5,000 shares of Class A Common Stock at a stated price of $0.00 per share.

Following this transaction, Smith holds 35,000 RSUs directly and 5,000 shares of Class A Common Stock directly, plus an additional 23,516 shares held indirectly by a trust. The RSUs were granted on May 8, 2024 and vest 25% on the 12‑month anniversary, with the remainder vesting in equal quarterly installments over the next 36 months, subject to continued employment.

Insider Trade Summary

5,000 shares exercised/converted

Exercise 3 txns

Insider Smith Chad M.

Role Pres & COO, Better Mortgage

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units (Class A) F2, F3	5,000	$0.00	$0.00
Exercise	Class A Common Stock F1	5,000	$0.00	$0.00
holding	Class A Common Stock F1	--	--	--

Holdings After Transaction: Restricted Stock Units (Class A) — 35,000 contracts (Direct); Class A Common Stock — 5,000 shares (Direct); Class A Common Stock — 23,516 shares (Indirect, By Trust)

Footnotes (3)

1. F1. The shares of Class A Common Stock held by the reporting person prior to the transaction reported herein reflect a transfer of 2,455 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. F2. Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock.
3. F3. The RSUs were granted on May 8, 2024. 25% of the RSUs will vest, subject to the Reporting Person's continued employment, on the 12-month anniversary of the grant date, and the remaining balance of the RSUs will vest in equal quarterly installments over the following 36 months, subject to the Reporting Person's continued employment on each such scheduled vesting date.

Key Figures

RSUs Exercised: 5,000 shares Common Shares Acquired: 5,000 shares RSUs Remaining: 35,000 units +5 more

8 metrics

RSUs Exercised 5,000 shares Restricted Stock Units (Class A) exercised on August 6, 2026

Common Shares Acquired 5,000 shares Class A Common Stock received on August 6, 2026 from RSU exercise

RSUs Remaining 35,000 units Restricted Stock Units (Class A) held directly after the transaction

Direct Common Shares Held 5,000 shares Class A Common Stock held directly after the transaction

Indirect Common Shares Held 23,516 shares Class A Common Stock held indirectly by trust after the transaction

RSU Grant Date May 8, 2024 Grant date for the RSUs that vest over 4 years

Initial Vesting Portion 25% Portion of RSUs vesting on 12‑month anniversary of grant date

Remaining Vesting Period 36 months Period over which remaining RSUs vest in equal quarterly installments

Key Terms

Restricted Stock Units, contingent right, Rule 16a-13, vesting, +1 more

5 terms

Restricted Stock Units financial

"Each Restricted Stock Unit (RSU) represents a contingent right to receive one share"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

contingent right financial

"Each Restricted Stock Unit (RSU) represents a contingent right to receive one share"

Rule 16a-13 regulatory

"transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13"

vesting financial

"25% of the RSUs will vest, subject to the Reporting Person's continued employment"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

indirect ownership financial

"Class A Common Stock held indirectly By Trust as nature of ownership"

FAQ

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

What insider transaction did BETR executive Chad M. Smith report on this Form 4?

Chad M. Smith reported exercising 5,000 Restricted Stock Units of Better Home & Finance Holding Co (BETR) on August 6, 2026, receiving 5,000 Class A Common shares at a stated price of $0.00 per share, as part of his equity compensation.

How many Better Home & Finance (BETR) RSUs does Chad M. Smith hold after this transaction?

After the reported transaction, Chad M. Smith holds 35,000 Restricted Stock Units of Better Home & Finance Holding Co. These RSUs each represent a contingent right to receive one share of BETR Class A Common Stock, subject to the vesting schedule and his continued employment.

How many BETR Class A shares does Chad M. Smith own directly and indirectly after the Form 4?

Post-transaction, Chad M. Smith directly holds 5,000 shares of BETR Class A Common Stock and indirectly holds 23,516 shares through a trust. The trust holdings reflect a prior change in form of ownership under Rule 16a-13.

What is the vesting schedule of Chad M. Smith’s BETR RSUs granted in 2024?

The RSUs granted to Chad M. Smith on May 8, 2024 vest 25% on the 12‑month anniversary of the grant date. The remaining balance vests in equal quarterly installments over 36 months, conditioned on his continued employment at each vesting date.

Did Better Home & Finance (BETR) indicate a trading plan under Rule 10b5-1 for this Form 4?

The filing’s Rule 10b5-1 checkbox was not marked as affirming a trading plan for these transactions. The reported activity involves RSU vesting and share issuance rather than open-market purchases or sales.

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

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Accepted by SEC EDGAR 08/18/2026 - 05:16 PM EDT 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^*

Smith Chad M.

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE CENTER, 80TH FLOOR SUITE A

(Street)

NEW YORK NEW YORK 10013

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/06/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	08/06/2026		M		5,000	A	$0	5,000(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)	08/06/2026		M			5,000	(3)	(3)	Class A Common Stock	5,000	$0	35,000	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 2,455 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 (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock.

3. The RSUs were granted on May 8, 2024. 25% of the RSUs will vest, subject to the Reporting Person's continued employment, on the 12-month anniversary of the grant date, and the remaining balance of the RSUs will vest in equal quarterly installments over the following 36 months, subject to the Reporting Person's continued employment on each such scheduled vesting date.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	08/18/2026
	** 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.
* Form 4: SEC 1474 (03-26)