Better Home (BETR) COO exercises RSUs and sells Class A shares via trust

Rhea-AI Filing Summary

Better Home & Finance Holding Co President and COO Chad M. Smith reported several equity transactions involving Class A common stock and restricted stock units. On February 6, 2026, 5,000 shares of Class A common stock were acquired at $0 through the exercise of 5,000 Restricted Stock Units (RSUs), moving from derivative to non-derivative holdings.

Also on February 6, 2,944 shares of Class A common stock were disposed of at $26.68 in a transaction typically associated with tax withholding, leaving 2,056 directly held shares. On February 10, 2026, 2,056 shares of Class A common stock were sold at $27.98 and are reported as indirectly owned by a trust, which held 19,534 shares after this sale.

The filing notes that 3,097 shares previously reported as directly held had been transferred to the reporting person’s trust as a change in form of ownership under Rule 16a-13. Following the RSU exercise, the reporting person held 45,000 RSUs, each representing a contingent right to one Class A share, vesting over approximately four years from a May 8, 2024 grant date.

Insider Trade Summary

Net Seller: 2,056 shares ($57,527)

Net Sell 4 txns

Insider Smith Chad M.

Role Pres & COO, Better Mortgage

Sold 2,056 shs ($58K)

Type	Security	Shares	Price	Value
Sale	Class A Common Stock	2,056	$27.98	$58K
Exercise	Restricted Stock Units (Class A)	5,000	$0.00	--
Exercise	Class A Common Stock	5,000	$0.00	--
Tax Withholding	Class A Common Stock	2,944	$26.68	$79K

Holdings After Transaction: Class A Common Stock — 19,534 shares (Indirect, By Trust); Restricted Stock Units (Class A) — 45,000 shares (Direct); Class A Common Stock — 5,000 shares (Direct)

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 3,097 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 (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. 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.

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).

X

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)
02/06/2026

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	02/06/2026		M		5,000	A	$0	5,000(1)	D
Class A Common Stock	02/06/2026		F		2,944	D	$26.68	2,056	D
Class A Common Stock	02/10/2026		S		2,056	D	$27.98	19,534(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)	02/06/2026		M			5,000	(3)	(3)	Class A Common Stock	5,000	$0	45,000	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 3,097 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	02/10/2026
	** 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 activity did Better Home & Finance (BETR) report on this Form 4?

The filing shows Pres & COO Chad M. Smith exercised 5,000 RSU-based Class A shares, had 2,944 shares withheld at $26.68, and a trust associated with him sold 2,056 shares at $27.98.

How many Better Home & Finance (BETR) shares did the trust hold after the sale?

After the February 10, 2026 sale of 2,056 Class A shares at $27.98, the trust associated with Chad M. Smith is reported as indirectly owning 19,534 shares of Better Home & Finance Class A common stock.

What RSU transactions did Better Home & Finance (BETR) disclose for Chad M. Smith?

On February 6, 2026, 5,000 Restricted Stock Units were exercised into 5,000 Class A shares at $0. After this, Chad M. Smith beneficially owned 45,000 RSUs, each representing a contingent right to one Class A common share.

When do Chad M. Smith’s Better Home & Finance (BETR) RSUs vest?

The RSUs were granted on May 8, 2024. Twenty-five percent vest on the 12‑month anniversary of the grant date, with the remaining RSUs vesting in equal quarterly installments over the following 36 months, subject to continued employment.

What change in ownership form involving a trust did BETR disclose?

The filing explains that 3,097 Class A shares previously reported as directly held by Chad M. Smith were transferred to his trust. This transfer is characterized as a change in form of ownership under Rule 16a-13, not a traditional open-market transaction.

What role does Chad M. Smith hold at Better Home & Finance (BETR)?

Chad M. Smith is reported as an officer of Better Home & Finance, serving as President and Chief Operating Officer of Better Mortgage. The Form 4 reflects his transactions and related trust holdings in the company’s Class A common stock and RSUs.