Chad and Gina Smith Trust filed a notice of proposed sale of 6,000 shares of Better Home & Finance Holding Company common stock under Rule 144. The shares are to be sold through Merrill Lynch on the NASDAQ, with an aggregate market value of $220,220.95 based on the figures in the notice, and 9,855,284 common shares outstanding. The shares come from restricted stock units that vested on 08/06/2025, 09/01/2025, and 10/01/2025, totaling 2,404, 2,378, and 1,218 shares respectively. Over the prior three months, the trust sold additional common shares in three transactions totaling 2,378, 6,000, and 2,843 shares, with disclosed gross proceeds for each sale.
Better Home & Finance Holding Co insider activity: General Counsel and Chief Compliance Officer Paula Tuffin reported selling a total of 8,000 shares of the company’s Class A common stock on January 12, 2026 in two open-market transactions. She sold 7,698 shares at a weighted average price of $38.5242 per share and 302 shares at a weighted average price of $39.1567 per share.
After these sales, she directly beneficially owned 26,198 Class A shares. The filing notes that each reported price is a weighted average for multiple trades, with actual sale prices ranging from $38.01 to $38.99 and from $39.03 to $39.26, and detailed trade breakdowns are available upon request.
Better Home & Finance Holding Co insider activity: On January 6, 2026, a trust associated with Pres & COO Chad M. Smith sold 2,843 shares of Class A Common Stock. The sale was reported at a weighted average price of $35.1451 per share, with individual trade prices ranging from $35.00 to $35.60. Following this transaction, the trust indirectly holds 27,590 Class A shares for the reporting person.
Better Home & Finance Holding Co reported insider transactions by its Pres & COO of Better Mortgage involving Class A common stock held indirectly through a trust. On 12/12/2025, the trust sold 2,378 shares at $47.67 per share, leaving 33,590 shares held indirectly. On 12/15/2025, it sold 5,390 shares at a weighted average price of $40.3354 and a further 610 shares at a weighted average price of $41.7531, reducing indirect holdings to 27,590 shares. An earlier transfer of 2,378 shares from direct ownership to the trust on 12/05/2025 is described as a change in form of ownership, and the weighted average prices reflect multiple trades within ranges of $40.32–$41.00 and $41.5–$41.79 per share.
Better Home & Finance Holding Co's General Counsel and Chief Compliance Officer reported sales of Class A common stock on December 11, 2025.
The officer sold 5,300 shares at a weighted average price of $46.003 per share, with sale prices ranging from $45.55 to $46.55. Additional sales covered 1,888 shares at a weighted average of $47.3779 (range $46.82–$47.80), 712 shares at $48.2234 (range $47.84–$48.34), and 100 shares at $49.10.
After these transactions, the officer beneficially owns 32,344 shares of Class A common stock directly.
Better Home & Finance (BETR) reported Q3 2025 results showing higher revenue and a narrower loss. Total net revenues were $43.9 million, up from $29.0 million a year ago, driven by stronger gain on loans ($36.4 million vs $21.5 million) and stable net interest income. Net loss improved to $39.1 million from $54.2 million, with basic and diluted loss per share of $2.56 versus $3.58.
The balance sheet expanded as the business mix shifted. Total assets rose to $1.38 billion from $913.1 million, led by loans held for investment at $623.4 million (largely U.K. buy‑to‑let) and mortgage loans held for sale at $414.0 million. Customer deposits climbed to $694.8 million. Cash and cash equivalents were $73.9 million and short‑term investments $131.9 million.
Capital structure changed meaningfully. Convertible notes were eliminated (from $519.7 million), senior notes were $198.8 million, and stockholders’ equity turned positive at $41.9 million from a $(58.2) million deficit. Warehouse borrowings were $349.8 million, and the company remained in covenant compliance. Shares outstanding were 15,375,949 as of September 30, 2025.
Better Home & Finance Holding Company filed an 8-K stating it issued a press release announcing financial results for the quarter ended September 30, 2025. The press release is attached as Exhibit 99.1 and, along with Item 2.02 information, is being furnished and not deemed filed under the Exchange Act. The filing lists its securities on Nasdaq under BETR (Class A common stock) and BETRW (warrants). The report is signed by CFO Kevin Ryan on November 13, 2025.
Better Home & Finance Holding Co (BETR) reported insider activity by its President & COO of Better Mortgage. On 11/06/2025, 5,000 shares of Class A common stock were acquired via settlement of restricted stock units (Code M) at $0. To cover taxes, 2,539 shares were withheld (Code F) at $60.58.
Following these transactions, direct holdings stood at 10,218 shares. The reporting person also holds 26,372 shares indirectly through a trust and 50,000 RSUs remain outstanding. Each RSU represents one share. The RSUs were granted on May 8, 2024; 25% vest on the 12‑month anniversary, with the remainder vesting in equal quarterly installments over the next 36 months, subject to continued employment.
Better Home & Finance Holding Company (BETR) reported executive equity awards. On November 3, 2025, the Board approved restricted stock unit (RSU) grants under the 2023 Incentive Equity Plan with both performance- and time-based vesting. CEO Vishal Garg received 287,500 RSUs tied to stock price goals and 287,500 RSUs tied to Company revenue goals. General Counsel Paula Tuffin received 50,000 RSUs tied to stock price goals and 50,000 RSUs tied to Company revenue goals.
The performance goals must be achieved between October 1, 2025 and December 31, 2030. For RSUs that meet performance goals, 25% time vest on the 12‑month anniversary of the grant date, with the remainder vesting in equal quarterly installments over the following 36 months, subject to continued service. The awards include potential accelerated vesting upon certain terminations in connection with a change in control, as described in the Company’s Executive Change in Control Severance Plan.
Better Home & Finance Holding Co (BETR) reported an insider equity transaction by its Chief Financial Officer on 11/01/2025. The officer settled 4,833 shares of Class A common stock via an RSU conversion (code M) at $0, then had 1,902 shares withheld (code F) at $73.21 to cover taxes. Following these transactions, the officer directly beneficially owned 60,530 shares of Class A common stock and held 24,167 remaining restricted stock units.
The RSUs represent the right to receive one share each and vest on a disclosed schedule through March 15, 2026.