Harit Talwar (BETR) logs RSU vesting and Class B to Class A conversions

Rhea-AI Filing Summary

Better Home & Finance Holding Co director Harit Talwar reported scheduled equity vesting and related share conversions. On November 1, 2025 and February 1, 2026, 3,094 Restricted Stock Units (Class B) converted at $0 each on both dates into the issuer’s Class B Common Stock and then into an equal number of Class A shares.

After these transactions, Talwar directly beneficially owned 55,709 and then 52,615 Restricted Stock Units (Class B), and 43,320 and then 46,414 shares of Class B Common Stock, respectively. The RSUs were granted on May 23, 2022 and vest in equal sixteenth installments each quarter, contingent on continued Board service. Each Class B share is convertible into one Class A share and may also convert automatically upon specified ownership and governance conditions.

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

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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^*

Talwar Harit

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE, 285 FULTON ST, FLOOR 80

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

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

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 B)	(1)	11/01/2025		M			3,094	(2)	(2)	Class B Common Stock	3,094	$0	55,709	D
Class B Common Stock	(3)	11/01/2025		M		3,094		(3)	(3)	Class A Common Stock	3,094	$0	43,320	D
Restricted Stock Units (Class B)	(1)	02/01/2026		M			3,094	(2)	(2)	Class B Common Stock	3,094	$0	52,615	D
Class B Common Stock	(3)	02/01/2026		M		3,094		(3)	(3)	Class A Common Stock	3,094	$0	46,414	D

Explanation of Responses:

1. Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class B Common Stock.

2. The restricted stock units were granted on May 23, 2022. 1/16ths of the restricted stock units will vest on the first day of each three (3)-month period following May 1, 2022, with the first such quarterly vesting date to occur on August 1, 2022, subject to the Reporting Person's continuous service on the Board of Directors of the Issuer through each such date.

3. Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better's founder.

Remarks:

	/s/ Andrew Holt as attorney-in-fact	02/03/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did Harit Talwar report at Better Home & Finance (BETR)?

Harit Talwar reported vesting and conversion of equity awards. On November 1, 2025 and February 1, 2026, 3,094 Class B Restricted Stock Units vested and converted into Class B Common Stock, which in turn converted into 3,094 shares of Class A Common Stock on each date.

How many Better (BETR) Restricted Stock Units vested for Harit Talwar and at what price?

Talwar had 3,094 Class B Restricted Stock Units vest on each of two dates. These units converted at an exercise price of $0 per unit, first into Class B Common Stock and then into the same number of Class A Common Stock shares in each transaction.

What is the vesting schedule for Harit Talwar’s Better (BETR) Restricted Stock Units?

The Restricted Stock Units were granted on May 23, 2022 with quarterly vesting. One‑sixteenth of the award vests on the first day of each three‑month period after May 1, 2022, starting August 1, 2022, conditioned on Talwar’s continued service on the Board.

How many Better (BETR) Restricted Stock Units does Harit Talwar hold after these transactions?

Following the reported transactions, Talwar held tens of thousands of RSUs. After November 1, 2025, he beneficially owned 55,709 Restricted Stock Units (Class B), and after February 1, 2026, that balance stood at 52,615 Restricted Stock Units (Class B), all reported as directly owned.

How many Better (BETR) Class B shares did Harit Talwar own after the reported conversions?

Talwar’s directly owned Class B Common Stock holdings increased with each conversion. After the November 1, 2025 conversion, he reported 43,320 Class B shares, and after the February 1, 2026 conversion, his reported direct Class B Common Stock holdings were 46,414 shares.

How do Better (BETR) Class B shares convert into Class A for Harit Talwar?

Each Class B share is convertible one‑for‑one into Class A. Talwar may convert Class B Common Stock into Class A Common Stock at any time, and Class B shares also automatically convert in certain situations, including specified transfers, ownership thresholds, an 85% Class B holder vote, or the founder’s death or disability.

What is Harit Talwar’s role at Better Home & Finance Holding (BETR)?

Harit Talwar serves as a director of Better Home & Finance. The filing identifies him as a reporting person in his capacity as a Board member, and the equity awards and conversions reported are tied to his continued service on the company’s Board of Directors.