Better Home & Finance: Garg acquires 1,190 shares

A director's report pairs an immediately vested restricted-stock-unit award with shares delivered or withheld on the same date.

Available on EDGAR 11/09/2026 - 03:59 PM EST Accepted by SEC EDGAR 11/09/2026 - 03:59 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Better Home & Finance Holding Co director and 10% owner Vishal Garg acquired 1,190 shares of Class A Common Stock through restricted stock units that vested immediately on November 2, 2026. On the same date, 659 shares were delivered or withheld for payment of exercise price or tax liability. The reported price for those shares was 21.01 per share.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Garg Vishal

Role Director, 10% Owner

Type	Security	Shares	Price	Value
Grant/Award	Class A Common Stock F1	1,190	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	659	$21.01	$14K

Holdings After Transaction: Class A Common Stock — 122,530 shares (Direct)

Holdings Before and After: Class A Common Stock, 121,999 to 122,530 shares (Direct)

Footnotes (1)

1. F1. Represents a grant of restricted stock units that vested immediately.

Key Figures

Class A Common Stock acquired: 1,190 shares Shares delivered or withheld: 659 shares Reported price per share: 21.01 per share

3 metrics

Class A Common Stock acquired 1,190 shares Restricted stock units that vested immediately on November 2, 2026

Shares delivered or withheld 659 shares For payment of exercise price or tax liability on November 2, 2026

Reported price per share 21.01 per share Reported for the 659 shares delivered or withheld on November 2, 2026

Key Terms

restricted stock units, exercise price or tax liability, Class A Common Stock

3 terms

restricted stock units financial

"grant of restricted stock units that vested immediately"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

exercise price or tax liability financial

"payment of exercise price or tax liability by delivering or withholding securities"

Class A Common Stock financial

"1,190 shares of Class A Common Stock"

Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What BETR shares did Vishal Garg report on November 2, 2026?

Vishal Garg reported acquiring 1,190 shares through restricted stock units that vested immediately and 659 shares delivered or withheld for payment of exercise price or tax liability. The reported price for the 659 shares was 21.01 per share.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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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^*

Garg Vishal

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

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

(Street)

NEW YORK NEW YORK 10007

(City) (State) (Zip)

UNITED STATES

(Country)

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
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
11/02/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	11/02/2026		A(1)		1,190	A	$0	123,189	D
Class A Common Stock	11/02/2026		F		659	D	$21.01	122,530	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 a grant of restricted stock units that vested immediately.

Remarks:

	Paula Tuffin	11/09/2026
	** 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.
* Form 4: SEC 1474 (03-26)