Tax withholding trims Better Home (BETR) CAO Nicholas Calamari stake

Rhea-AI Filing Summary

Better Home & Finance Holding Co executive Nicholas J. Calamari reported a tax-related share disposition. On February 17, 2026, 9,020 shares of Class A common stock were withheld to cover taxes due on restricted stock units that vested from an award originally granted on February 11, 2026. After this withholding transaction, he directly owned 31,235 shares of Class A common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Nicholas J. Calamari

Role CAO and Senior Counsel

Type	Security	Shares	Price	Value
Tax Withholding	Class A Common Stock	9,020	$29.11	$263K

Holdings After Transaction: Class A Common Stock — 31,235 shares (Direct)

Footnotes (1)

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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^*

Nicholas J. Calamari

(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)
	CAO and Senior Counsel

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)		9,020	D	$29.11(1)	31,235	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

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.

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 transaction did BETR executive Nicholas J. Calamari report?

Nicholas J. Calamari reported a tax-withholding disposition of 9,020 shares. These Class A common shares were withheld to pay taxes due upon vesting of restricted stock units, rather than being sold in an open-market transaction.

How many Better Home & Finance (BETR) shares were withheld for taxes?

A total of 9,020 Class A common shares were withheld for taxes. The shares covered the tax liability arising from the vesting of restricted stock units originally granted to Nicholas J. Calamari on February 11, 2026.

Does the BETR Form 4 show an open-market sale by Nicholas J. Calamari?

No, the transaction reflects tax withholding, not an open-market sale. The shares were retained by the issuer to satisfy tax obligations when restricted stock units vested, using the issuer’s Class A common stock closing price on February 11, 2026.

How many BETR shares does Nicholas J. Calamari hold after this transaction?

He directly holds 31,235 Class A common shares after the transaction. This share count is reported as his direct ownership following the tax-withholding disposition tied to the vesting of restricted stock units.

How was the number of BETR shares withheld for taxes determined?

The 9,020 withheld shares were determined based on the stock’s closing price. The amount was calculated on February 17, 2026 using the closing price of Better Home & Finance Class A common stock on February 11, 2026.