[Form 4] Better Home & Finance Holding Co Insider Trading Activity

Rhea-AI Filing Summary

Better Home & Finance (BETR) insider filing: the company’s General Counsel and CCO reported equity transactions. On 11/01/2025, 3,166 shares of Class A common stock were acquired at $0 via RSU settlement (Code M), and 1,512 shares were disposed (Code F) at $73.21. Following these moves, 38,797 shares were directly owned.

Derivative activity included RSU conversion of 3,166 shares and two RSU grants of 25,000 each on 11/03/2025. The RSUs are subject to performance- and time-based vesting, including a stock price goal measured from October 1, 2025 through December 31, 2030; 25% vests on the one-year anniversary of grant, with the remainder vesting quarterly over 36 months, subject to continued service, and forfeiture if the performance criteria are not met.

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).

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^*

Tuffin Paula

(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)
	General Counsel and CCO

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		3,166	A	$0	40,309	D
Class A Common Stock	11/01/2025		F		1,512	D	$73.21	38,797	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			3,166	(2)	(2)	Class A Common Stock	3,166	$0	15,834	D
Restricted Stock Units (Class A)	(1)	11/03/2025		A		25,000		(3)	(3)	Class A Common Stock	25,000	$0	25,000	D
Restricted Stock Units (Class A)	(1)	11/03/2025		A		25,000		(3)	(3)	Class A Common Stock	25,000	$0	25,000	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.

3. The restricted stock units ("RSUs") are subject to both performance- and time-based vesting criteria. The performance-based criteria provides for the achievement of a specified stock price goal of the Issuer's Class A common stock occuring during the period beginning on October 1, 2025 and ending on December 31, 2030 (the "Performance Period"). 25% of the RSUs shall time vest on the one year anniversary of the grant date and the remainder of the RSUs shall time vest quarterly over the following 36 months, subject to the Reporting Person's continued service with the Issuer. In the event the performance criteria is not met during the Performance Period, the RSUs shall be forfeited.

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 did BETR’s insider report on Form 4?

3,166 shares were acquired at $0 via RSU settlement (Code M) and 1,512 shares were disposed at $73.21 (Code F) on 11/01/2025.

How many BETR shares does the insider directly own after the transactions?

The filing shows 38,797 shares of Class A common stock directly owned after the reported transactions.

Were new RSUs granted to the BETR insider?

Yes. Two RSU awards of 25,000 units each were granted on 11/03/2025, subject to performance- and time-based vesting.

What are the key vesting terms for the newly granted BETR RSUs?

A stock price goal must be achieved between October 1, 2025 and December 31, 2030; 25% time vests at one year, with the rest vesting quarterly over 36 months.

What happens if the performance criteria for the RSUs are not met?

If the stock price goal is not achieved during the Performance Period, the RSUs will be forfeited.

Did the filing include details on previously granted RSUs vesting for BETR?

Yes. It notes RSUs vesting 3/12 on July 1, 2025, 8/12 in equal monthly installments from August 1, 2025 through March 1, 2026, and the final 1/12 on March 15, 2026.