Better Home & Finance (BETR) insider sells 6,000 shares via trust

Rhea-AI Filing Summary

Better Home & Finance Holding Co executive Chad M. Smith reported share transactions involving Class A common stock. On February 17, 2026, 6,995 shares were withheld to cover taxes upon vesting of restricted stock units originally granted on February 11, 2026, at a price of $29.11 per share, leaving 7,926 shares held directly.

That same day, a trust associated with Smith sold a total of 6,000 shares in open-market transactions, with weighted average prices of $30.0121 and $30.3888 per share and sale price ranges from $29.29 to $30.43. After these sales, the trust held 15,590 shares indirectly.

Insider Trade Summary

Net Seller: 6,000 shares ($180,448)

Net Sell 3 txns

Insider Smith Chad M.

Role Pres & COO, Better Mortgage

Sold 6,000 shs ($180K)

Type	Security	Shares	Price	Value
Tax Withholding	Class A Common Stock	6,995	$29.11	$204K
Sale	Class A Common Stock	5,004	$30.0121	$150K
Sale	Class A Common Stock	996	$30.3888	$30K

Holdings After Transaction: Class A Common Stock — 7,926 shares (Direct); Class A Common Stock — 16,586 shares (Indirect, By Trust)

Footnotes (1)

1. Represents shares of common stock withheld to pay taxes upon vesting of restricted stock units originally granted to the Reporting Person on February 11, 2026. The number of shares withheld was determined on February 17, 2026 based on the closing price of the Issuer's Class A common stock on February 11, 2026. The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $29.29 to $30.17 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range. The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $30.28 to $30.43 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

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).

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)
02/17/2026

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	02/17/2026		F(1)		6,995	D	$29.11(1)	7,926	D
Class A Common Stock	02/17/2026		S		5,004	D	$30.0121(2)	16,586	I	By Trust
Class A Common Stock	02/17/2026		S		996	D	$30.3888(3)	15,590	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

Explanation of Responses:

1. Represents shares of common stock withheld to pay taxes upon vesting of restricted stock units originally granted to the Reporting Person on February 11, 2026. The number of shares withheld was determined on February 17, 2026 based on the closing price of the Issuer's Class A common stock on February 11, 2026.

2. The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $29.29 to $30.17 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

3. The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $30.28 to $30.43 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	02/18/2026
	** 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.

FAQ

What insider transactions did BETR executive Chad M. Smith report?

Chad M. Smith reported tax-related share withholding and trust sales. 6,995 shares were withheld to cover RSU vesting taxes, and a trust associated with him sold 6,000 Class A shares in open-market transactions on February 17, 2026.

How many Better Home & Finance (BETR) shares were sold by the trust?

A trust associated with Chad M. Smith sold 6,000 Class A shares. These were executed in multiple open-market transactions at weighted average prices of $30.0121 and $30.3888 per share, within reported price ranges between $29.29 and $30.43.

Were any of Chad M. Smith’s BETR shares disposed of for tax withholding?

Yes. 6,995 Class A common shares were withheld to satisfy taxes on vesting restricted stock units. The number of shares was based on the issuer’s February 11, 2026 closing price and was finalized on February 17, 2026.

How many BETR shares does Chad M. Smith hold directly after these transactions?

Following the February 17, 2026 tax-withholding transaction, Chad M. Smith directly holds 7,926 Class A common shares. This direct holding figure reflects shares remaining after 6,995 shares were withheld to pay associated RSU vesting tax obligations.

How many BETR shares does the trust associated with Chad M. Smith hold now?

After selling 6,000 Class A shares on February 17, 2026, the trust associated with Chad M. Smith holds 15,590 shares. These indirect holdings are reported as “By Trust” and reflect the balance following the disclosed open-market sales.

What price ranges applied to the BETR shares sold by the trust?

The trust’s sales occurred in multiple trades with weighted average prices of $30.0121 and $30.3888. According to the disclosure, individual transaction prices ranged from $29.29 to $30.17 and from $30.28 to $30.43 per share.