Better Home & Finance grants Vishal Garg 6,132 shares

For the August 20, 2026 Rights Agreement, Vishal Garg was deemed to have beneficially owned the September grant before adoption.

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) director and 10% owner Vishal Garg reported grants of 6,132 Class A shares on September 1, 2026 and 2,234 shares on October 1, 2026. The September grant was restricted stock units that vested immediately under a compensatory arrangement approved by the board on August 3, 2026. Also reported were 3,391 shares on September 1 and 1,236 shares on October 1 delivered or withheld for payment of exercise price or tax liability.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Garg Vishal

Role Director, 10% Owner

Type	Security	Shares	Price	Value
Grant/Award	Class A Common Stock	2,234	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	1,236	$11.19	$14K
Grant/Award	Class A Common Stock F1	6,132	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	3,391	$12.23	$41K

Holdings After Transaction: Class A Common Stock — 121,999 shares (Direct)

Footnotes (1)

1. F1. Represents grant of restricted stock units ("RSUs") that vested immediately and were granted pursuant to a compensatory arrangement approved by the Issuer's board of directors on August 3, 2026. For purposes of the Issuer's Rights Agreement, dated as of August 20, 2026 (the "Rights Agreement"), the Reporting Person is deemed to have "beneficially owned" (as defined therein) these securities prior to adoption of the Rights Agreement.

Key Figures

Class A shares granted: 6,132 shares Class A shares granted: 2,234 shares Shares delivered or withheld for payment of exercise price or tax liability: 3,391 shares +1 more

4 metrics

Class A shares granted 6,132 shares September 1, 2026

Class A shares granted 2,234 shares October 1, 2026

Shares delivered or withheld for payment of exercise price or tax liability 3,391 shares September 1, 2026

Shares delivered or withheld for payment of exercise price or tax liability 1,236 shares October 1, 2026

Key Terms

restricted stock units, compensatory arrangement, Rights Agreement, beneficially owned

4 terms

restricted stock units financial

"grant of restricted stock units ("RSUs") 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.

compensatory arrangement financial

"granted pursuant to a compensatory arrangement approved by the Issuer's board"

Rights Agreement regulatory

"For purposes of the Issuer's Rights Agreement"

A rights agreement is a contract that grants existing shareholders special rights—commonly the option to buy additional shares at a set price or to trigger protections if a takeover is attempted. Think of it like a neighborhood watch rule that lets current homeowners buy extra lots or lock the gate when an outsider tries to take over the block; it matters to investors because it can dilute or protect share value and influence takeover outcomes.

beneficially owned regulatory

"deemed to have "beneficially owned" these securities prior to adoption"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

FAQ

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

How many shares did Vishal Garg receive in BETR grants?

Vishal Garg reported grants of 6,132 shares on September 1, 2026 and 2,234 shares on October 1, 2026. The September grant was restricted stock units that vested immediately.

How many BETR shares were delivered or withheld for payment?

The report lists 3,391 shares on September 1, 2026 and 1,236 shares on October 1, 2026 delivered or withheld for payment of exercise price or tax liability.

What did the BETR report say about Vishal Garg and the Rights Agreement?

For purposes of the Rights Agreement dated August 20, 2026, Vishal Garg was deemed to have beneficially owned the 6,132-share September 1 grant before adoption of the agreement.

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

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Available on EDGAR 10/20/2026 - 04:56 PM EDT Accepted by SEC EDGAR 10/20/2026 - 04:56 PM EDT 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 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)
09/01/2026

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	09/01/2026		A		6,132(1)	A	$0	124,392	D
Class A Common Stock	09/01/2026		F		3,391	D	$12.23	121,001	D
Class A Common Stock	10/01/2026		A		2,234	A	$0	123,235	D
Class A Common Stock	10/01/2026		F		1,236	D	$11.19	121,999	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 grant of restricted stock units ("RSUs") that vested immediately and were granted pursuant to a compensatory arrangement approved by the Issuer's board of directors on August 3, 2026. For purposes of the Issuer's Rights Agreement, dated as of August 20, 2026 (the "Rights Agreement"), the Reporting Person is deemed to have "beneficially owned" (as defined therein) these securities prior to adoption of the Rights Agreement.

Remarks:

	/s/ Andrew Holt as attorney-in-fact	10/13/2026
	** 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)