Insider award: Better Home & Finance (BETR) COO receives 14,921 shares

Rhea-AI Filing Summary

Better Home & Finance Holding Co president and COO of Better Mortgage, Chad M. Smith, reported an equity award in the company’s Class A common stock. On February 11, 2026, he acquired 14,921 shares through a grant of restricted stock units that vested immediately. After this transaction he directly owns 14,921 Class A shares and indirectly holds 21,590 Class A shares through a trust, reflecting an earlier transfer of 2,056 shares from his direct holdings to the trust as a change in ownership form.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Smith Chad M.

Role Pres & COO, Better Mortgage

Type	Security	Shares	Price	Value
Grant/Award	Class A Common Stock	14,921	$14,921.00	$222.64M
holding	Class A Common Stock	--	--	--

Holdings After Transaction: Class A Common Stock — 14,921 shares (Direct); Class A Common Stock — 21,590 shares (Indirect, By Trust)

Footnotes (1)

1. Represents a grant of restricted stock units that vested immediately. The shares of Class A Common Stock held by the reporting person prior to the transaction reported herein reflect a transfer of 2,056 shares previously reported as directly held by the reporting person to the reporting person's Trust, which transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13.

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^*

Smith Chad M.

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE CENTER, 80TH FLOOR SUITE A

(Street)

NEW YORK NY 10013

(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)
	Pres & COO, Better Mortgage

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

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	02/11/2026		A(1)		14,921	A	$14,921	14,921(2)	D
Class A Common Stock								21,590(2)	I	By Trust

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.

2. The shares of Class A Common Stock held by the reporting person prior to the transaction reported herein reflect a transfer of 2,056 shares previously reported as directly held by the reporting person to the reporting person's Trust, which transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	02/13/2026
	** 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.

FAQ

What insider transaction did BETR executive Chad M. Smith report?

Chad M. Smith reported an acquisition of Better Home & Finance Class A shares. He received 14,921 shares on February 11, 2026 through a restricted stock unit grant that vested immediately, increasing his directly held equity stake in the company.

How many Better Home & Finance (BETR) shares did Chad M. Smith receive?

He received 14,921 shares of Class A common stock. These came from a restricted stock unit grant that vested immediately on February 11, 2026, resulting in 14,921 shares held directly in his name after the reported transaction.

Was Chad M. Smith’s BETR share acquisition an open-market purchase?

No, it was not an open-market purchase. The Form 4 shows transaction code “A”, indicating a grant, award, or other acquisition, specifically a restricted stock unit grant that vested immediately into 14,921 Class A common shares.

What is Chad M. Smith’s role at Better Home & Finance (BETR)?

Chad M. Smith serves as an officer of Better Home & Finance. The filing lists his title as President and Chief Operating Officer of Better Mortgage, reflecting a senior leadership position within the organization.

How many BETR shares does Chad M. Smith own directly and indirectly after the grant?

After the grant, he directly owns 14,921 Class A shares and indirectly holds 21,590 Class A shares through a trust. The trust position incorporates a prior transfer of 2,056 shares from his direct holdings as a change in ownership form.

What do the trust-held Better Home & Finance (BETR) shares represent?

The trust-held shares represent part of Chad M. Smith’s beneficial ownership in BETR. The filing notes that 2,056 shares previously reported as directly held were transferred to the trust as a change in form of ownership under Rule 16a-13.