BETR CEO Vishal Garg reports RSU exercise, share sale

Q: What equity award did Vishal Garg exercise in this Better Home & Finance (BETR) Form 4?

Garg exercised 3,166 Restricted Stock Units (Class A) at an exercise price of $0 per unit. Each unit represents a contingent right to receive one share of Class A common stock, so the exercise resulted in 3,166 new Class A common shares being acquired.

Q: At what price were Better Home & Finance (BETR) shares disposed of in this Form 4?

The filing reports a disposition of 1,373 Class A common shares at a price of $30.31 per share on February 1, 2026. The transaction is coded as “F” in the non-derivative securities table within the Form 4.

Q: What roles does Vishal Garg hold at Better Home & Finance (BETR) per this filing?

According to the Form 4, Vishal Garg is a director, the company’s Chief Executive Officer, and a 10% owner of Better Home & Finance Holding Co., reflecting both his management position and significant ownership stake.

Q: How do the Restricted Stock Units for Better Home & Finance (BETR) vest for Vishal Garg?

The RSUs vest in stages: 3/12ths on July 1, 2025, 8/12ths in equal monthly installments from August 1, 2025 through March 1, 2026, and the remaining 1/12th on March 15, 2026, as described in the footnotes.

Better Home & Finance Holding Co. Chief Executive Officer and director Vishal Garg reported equity award activity involving the company’s Class A common stock.

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Rhea-AI Filing Summary

Better Home & Finance Holding Co. Chief Executive Officer and director Vishal Garg reported equity award activity involving the company’s Class A common stock. On February 1, 2026, 3,166 Restricted Stock Units (Class A) were exercised at $0 and converted into 3,166 shares of Class A common stock. On the same date, 1,373 shares of Class A common stock were disposed of at $30.31 per share in a separate transaction. After these transactions, Garg directly held 14,836 shares of Class A common stock and 6,334 Restricted Stock Units, each representing a contingent right to receive one share of Class A common stock, subject to the vesting schedule described.

Insider Trade Summary

3,166 shares exercised/converted

Exercise 3 txns

Insider Garg Vishal

Role Chief Executive Officer

Type	Security	Shares	Price	Value
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	1,373	$30.31	$42K

Holdings After Transaction: Restricted Stock Units (Class A) — 6,334 contracts (Direct); Class A Common Stock — 14,836 shares (Direct)

Footnotes (2)

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

FAQ

What insider transactions did Vishal Garg report for Better Home & Finance (BETR)?

Vishal Garg reported exercising 3,166 Restricted Stock Units into Class A common shares at $0, and disposing of 1,373 Class A common shares at $30.31 per share, all on February 1, 2026, as reflected in this Form 4 filing.

How many Better Home & Finance (BETR) shares does Vishal Garg hold after this Form 4?

After the reported transactions, Vishal Garg directly holds 14,836 shares of Better Home & Finance Class A common stock and 6,334 Restricted Stock Units, each RSU representing a contingent right to receive one additional share of Class A common stock, subject to vesting.

What equity award did Vishal Garg exercise in this Better Home & Finance (BETR) Form 4?

Garg exercised 3,166 Restricted Stock Units (Class A) at an exercise price of $0 per unit. Each unit represents a contingent right to receive one share of Class A common stock, so the exercise resulted in 3,166 new Class A common shares being acquired.

At what price were Better Home & Finance (BETR) shares disposed of in this Form 4?

The filing reports a disposition of 1,373 Class A common shares at a price of $30.31 per share on February 1, 2026. The transaction is coded as “F” in the non-derivative securities table within the Form 4.

What roles does Vishal Garg hold at Better Home & Finance (BETR) per this filing?

According to the Form 4, Vishal Garg is a director, the company’s Chief Executive Officer, and a 10% owner of Better Home & Finance Holding Co., reflecting both his management position and significant ownership stake.

How do the Restricted Stock Units for Better Home & Finance (BETR) vest for Vishal Garg?

The RSUs vest in stages: 3/12ths on July 1, 2025, 8/12ths in equal monthly installments from August 1, 2025 through March 1, 2026, and the remaining 1/12th on March 15, 2026, as described in the footnotes.

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Accepted by SEC EDGAR 02/03/2026 - 06:57 PM

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

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)
02/01/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Class A Common Stock	02/01/2026		M		3,166	A	$0	16,209	D
Class A Common Stock	02/01/2026		F		1,373	D	$30.31	14,836	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Restricted Stock Units (Class A)	⁽¹⁾	02/01/2026		M			3,166	⁽²⁾	⁽²⁾	Class A Common Stock	3,166	$0	6,334	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	02/03/2026
	** 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.

Source: View Original Filing on SEC EDGAR