BETR CEO reports 3,166-share RSU settlement; two 143,750 RSUs

Better Home & Finance Holding Co. (BETR) insider (Director, 10% Owner and Chief Executive Officer) filed a Form 4 detailing equity transactions.

Rhea-AI Filing Summary

Better Home & Finance Holding Co. (BETR) insider (Director, 10% Owner and Chief Executive Officer) filed a Form 4 detailing equity transactions. On 11/01/2025, 3,166 Class A shares were acquired upon RSU settlement (code M) at $0, and 1,751 shares were withheld to cover taxes (code F) at $73.21. After these transactions, 9,906 Class A shares were held directly.

The filing also reports two RSU awards of 143,750 units each on 11/03/2025. One RSU grant includes performance- and time-based vesting with a stock price goal measured from October 1, 2025 to December 31, 2030; 25% time vests on the one-year anniversary of grant, with the remainder vesting quarterly over 36 months, and forfeiture if the performance goal is not achieved. Another RSU schedule vests 3/12ths on July 1, 2025, 8/12ths in equal monthly installments from August 1, 2025 through March 1, 2026, and the final 1/12th on March 15, 2026.

Insights

Executive Compensation and Governance Analyst

CEO reported RSU vesting, tax withholding sale, and two large new performance‑based RSU grants; governance‑relevant, dilution‑sensitive, incentive‑aligning.

**Better Home & Finance Holding Co (BETR)** CEO/Director/10% owner reported: (i) conversion of RSUs into 3,166 Class A shares on 11/01/2025 (code M, at $0), and (ii) a disposition of 1,751 shares at $73.21 (code F) for tax withholding. Direct Class A holdings after these transactions are 9,906 shares. Form 4 also shows two RSU awards of 143,750 units each on 11/03/2025 (code A), with both time‑ and performance‑based vesting.

RSUs convert one‑for‑one into common stock. One RSU tranche vests over dates disclosed: 3/12 on 07/01/2025, 8/12 monthly from 08/01/2025 through 03/01/2026, and the final 1/12 on 03/15/2026. The performance‑based RSUs require achieving a specified stock price during the period 10/01/2025–12/31/2030; 25% time‑vests one year after grant and the remainder vests quarterly over the next 36 months. Unmet performance leads to forfeiture.

This signals material equity compensation for the CEO and potential future share issuance upon vesting. The tax disposition (code F) indicates shares withheld for taxes, not an open‑market sale. Items to watch: vesting checkpoints through 03/15/2026, achievement of the stock‑price goal by 12/31/2030, and cumulative RSU overhang from the two 143,750 awards.

Insider Trade Summary

3,166 shares exercised/converted

Exercise 5 txns

Insider Garg Vishal

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units (Class A)	143,750	$0.00	$0.00
Grant/Award	Restricted Stock Units (Class A)	143,750	$0.00	$0.00
Exercise	Restricted Stock Units (Class A)	3,166	$0.00	$0.00
Exercise	Class A Common Stock	3,166	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	1,751	$73.21	$128K

Holdings After Transaction: Restricted Stock Units (Class A) — 303,334 contracts (Direct); Class A Common Stock — 9,906 shares (Direct)

Footnotes (3)

1. F1. Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.
2. F2. 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. F3. 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.

FAQ

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

What did BETR report in this Form 4?

The insider reported an RSU settlement of 3,166 shares at $0, tax withholding of 1,751 shares at $73.21, and two RSU awards of 143,750 each.

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

Following the reported transactions, the insider directly owns 9,906 shares of Class A common stock.

What are the details of the RSU settlement on 11/01/2025?

On 11/01/2025, 3,166 shares were acquired via RSU settlement (code M) at $0, with 1,751 shares withheld for taxes (code F) at $73.21.

What RSU grants were reported for BETR on 11/03/2025?

Two RSU awards of 143,750 units each were reported on 11/03/2025.

What are the performance-based vesting terms disclosed?

The performance goal is measured from Oct 1, 2025 to Dec 31, 2030. 25% vests at the one-year anniversary; the rest vests quarterly over 36 months, subject to achievement or forfeiture.

What time-based vesting schedule was disclosed for another RSU grant?

Vesting occurs 3/12ths on July 1, 2025, 8/12ths monthly from Aug 1, 2025 to Mar 1, 2026, and the remaining 1/12th on Mar 15, 2026.

What roles does the reporting person hold at BETR?

The reporting person is a Director, 10% Owner, and Chief Executive Officer.

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

Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 11/04/2025 - 09:11 PM EST Learn about SEC filing dates

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 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)
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	11,657	D
Class A Common Stock	11/01/2025		F		1,751	D	$73.21	9,906	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		143,750		(3)	(3)	Class A Common Stock	143,750	$0	143,750	D
Restricted Stock Units (Class A)	(1)	11/03/2025		A		143,750		(3)	(3)	Class A Common Stock	143,750	$0	143,750	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.