Better Home (NASDAQ: BETR) CEO exercises RSUs as shares withheld for taxes

Rhea-AI Filing Summary

Better Home & Finance Holding Co director and CEO Vishal Garg reported equity compensation activity involving restricted stock units (RSUs) and related tax withholding. On March 15, 2026, he exercised RSUs covering 3,167 shares of Class A common stock at a conversion price of $0.00 per share, turning the award into common shares.

To cover tax obligations from RSU vesting, the issuer withheld 1,319 shares on March 13, 2026 at $32.90 per share and 1,752 shares on March 15, 2026 at $34.45 per share, as described in the footnotes. These F‑code transactions are tax‑withholding dispositions, not open‑market sales.

Following these transactions, Garg directly holds 31,460 shares of Class A common stock. The RSUs referenced each represent a contingent right to receive one share, with vesting scheduled in tranches from July 1, 2025 through March 15, 2026, and the filing shows this grant now fully vested and exercised.

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^*

Garg Vishal

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE, 285 FULTON ST., FL 80, 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)

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

3. Date of Earliest Transaction (Month/Day/Year)
03/13/2026

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	03/13/2026		F(1)		1,319	D	$32.9	30,045	D
Class A Common Stock	03/15/2026		M		3,167	A	$0	33,212	D
Class A Common Stock	03/15/2026		F(2)		1,752	D	$34.45	31,460	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)	(3)	03/15/2026		M			3,167	(4)	(4)	Class A Common Stock	3,167	$0	0	D

Explanation of Responses:

1. Represents shares of Class A common stock withheld to pay taxes for the vesting of restricted stock units held by the Reporting Person, which vesting occured on March 1, 2026. The number of shares withheld was determined on March 13, 2026 based on the closing price of the Issuer's Class A common stock on February 27, 2026.

2. Represents shares of Class A common stock withheld to pay taxes for the vesting of restricted stock units held by the Reporting Person, which vesting occured on March 15, 2026. The number of shares withheld was determined on March 16, 2026, based on the closing price of the Issuer's Class A common stock on March 13, 2026.

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

4. 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	03/17/2026
	** 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.
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FAQ

What insider transactions did BETR CEO Vishal Garg report on this Form 4?

Vishal Garg reported exercising restricted stock units into 3,167 Class A shares at $0.00, plus two tax-withholding dispositions totaling 3,071 shares. These actions relate to RSU vesting and do not involve open-market purchases or sales.

How many Better Home (BETR) shares does Vishal Garg hold after these transactions?

After the reported RSU exercise and tax-withholding entries, Vishal Garg directly holds 31,460 shares of Better Home & Finance Holding Co Class A common stock. This figure reflects his updated post-transaction ownership position reported in the Form 4.

Were any of Vishal Garg’s BETR transactions open-market buys or sells?

No. The Form 4 shows an RSU exercise coded M and tax-withholding dispositions coded F. F-code entries represent shares withheld by the issuer to pay taxes on vesting, not open-market buying or selling activity by the insider.

What RSU grant and vesting schedule does the BETR Form 4 describe?

The filing describes restricted stock units where each RSU equals one BETR Class A share. Vesting occurs in tranches: 3/12 on July 1, 2025, 8/12 in monthly installments from August 1, 2025 to March 1, 2026, and the final 1/12 on March 15, 2026.

Why were BETR shares withheld from Vishal Garg on March 13 and March 15, 2026?

On both dates, BETR withheld shares to pay taxes for vested RSUs held by Vishal Garg. The 1,319 and 1,752 shares were valued using closing prices before each determination date, reflecting standard tax-withholding mechanics for equity compensation.