BETR CFO withholds 1,902 shares at $73.21; 24,167 RSUs remain

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) reported an insider equity transaction by its Chief Financial Officer on 11/01/2025. The officer settled 4,833 shares of Class A common stock via an RSU conversion (code M) at $0, then had 1,902 shares withheld (code F) at $73.21 to cover taxes. Following these transactions, the officer directly beneficially owned 60,530 shares of Class A common stock and held 24,167 remaining restricted stock units.

The RSUs represent the right to receive one share each and vest on a disclosed schedule through March 15, 2026.

Insider Trade Summary

4,833 shares exercised/converted

Mixed 3 txns

Insider RYAN KEVIN J

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units (Class A)	4,833	$0.00	--
Exercise	Class A Common Stock	4,833	$0.00	--
Tax Withholding	Class A Common Stock	1,902	$73.21	$139K

Holdings After Transaction: Restricted Stock Units (Class A) — 24,167 shares (Direct); Class A Common Stock — 62,432 shares (Direct)

Footnotes (1)

1. 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
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^*

RYAN KEVIN J

(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)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/01/2025

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	11/01/2025		M		4,833	A	$0	62,432	D
Class A Common Stock	11/01/2025		F		1,902	D	$73.21	60,530	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)	11/01/2025		M			4,833	(2)	(2)	Class A Common Stock	4,833	$0	24,167	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	11/04/2025
	** 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 insider activity did BETR disclose on this Form 4?

The CFO settled 4,833 RSUs into Class A shares and had 1,902 shares withheld at $73.21 for taxes on 11/01/2025.

How many BETR shares does the insider own after the transaction?

Directly beneficially owned shares total 60,530 Class A shares after the reported transactions.

How many RSUs remain outstanding for the insider at BETR?

The insider holds 24,167 restricted stock units following the RSU settlement.

What was the price associated with the tax withholding on BETR shares?

The tax withholding transaction (code F) used a price of $73.21 per share.

What does each BETR RSU represent?

Each RSU represents a contingent right to receive one share of BETR Class A common stock.

What is the vesting schedule tied to BETR RSUs in this report?

The RSUs vest in tranches through March 15, 2026, including a portion on July 1, 2025 and monthly installments from August 1, 2025 to March 1, 2026.