BETR Form 4: Officer acquires 3,166 shares, 1,563 sold for taxes

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) reported an insider transaction by its CAO and Senior Counsel. On 11/01/2025, the officer acquired 3,166 shares of Class A Common Stock at $0 upon settlement of restricted stock units (Code M), and disposed of 1,563 shares at $73.21 to cover taxes (Code F). After these transactions, the officer directly owned 12,944 shares and held 15,834 restricted stock units. The RSUs represent a right to receive one share each and vest on a disclosed schedule extending into March 2026.

Insider Trade Summary

3,166 shares exercised/converted

Mixed 3 txns

Insider Nicholas J. Calamari

Role CAO and Senior Counsel

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units (Class A)	3,166	$0.00	--
Exercise	Class A Common Stock	3,166	$0.00	--
Tax Withholding	Class A Common Stock	1,563	$73.21	$114K

Holdings After Transaction: Restricted Stock Units (Class A) — 15,834 shares (Direct); Class A Common Stock — 14,507 shares (Direct)

Footnotes (1)

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

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)
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	14,507	D
Class A Common Stock	11/01/2025		F		1,563	D	$73.21	12,944	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

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.

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.

FAQ

What insider activity did BETR disclose on Form 4?

An officer acquired 3,166 Class A shares at $0 via RSU settlement (Code M) and disposed of 1,563 shares at $73.21 for taxes (Code F) on 11/01/2025.

How many BETR shares does the reporting person own after the transaction?

Following the reported transactions, the officer directly owned 12,944 Class A shares.

How many BETR RSUs remain outstanding for the reporting person?

The officer held 15,834 restricted stock units after the transactions.

What is the role of the BETR reporting person?

The reporting person serves as CAO and Senior Counsel of Better Home & Finance Holding Co.

What do the Form 4 transaction codes mean for BETR?

Code M indicates an RSU conversion/exercise; Code F indicates shares disposed to satisfy tax withholding.

What is the RSU vesting structure mentioned?

Each RSU equals one share. The vesting schedule includes installments from July 1, 2025 through March 15, 2026 as disclosed.