Welcome to our dedicated page for Better Home & Finance Holding Company SEC filings (Ticker: BETR), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Better Home & Finance Holding Company filings document the public-company record for a mortgage and home equity finance issuer with Class A common stock and BETRW warrants listed on Nasdaq. Recent 8-K reports cover operating and financial results, preliminary results, funded loan volume, warehouse credit facilities, public offering activity under shelf registration statements, warrant agreements, and other material-event disclosures.
The filing record also includes proxy materials for annual stockholder voting, board and audit committee matters, director compensation, auditor changes, and internal-control disclosures. These documents describe the company’s capital structure, registered securities, governance practices, financing arrangements, and accounting and reporting matters associated with its digital mortgage and home equity platform.
Better Home & Finance Holding Co Chief Executive Officer and director Vishal Garg, who is also a ten percent owner, reported open-market purchases of a total of 6,583 shares of Class A Common Stock. The trades were executed at prices around $30 per share and are held as direct ownership, with no derivative positions shown in this filing.
Better Home & Finance Holding Company reported rapid growth but continued losses for Q1 2026. Loan volume reached $1.64 billion, up 89% year over year and above guidance, while total net revenues from continuing operations rose 52% to about $48 million.
The company posted a net loss of $70.3 million, larger than the $50.6 million loss a year earlier, though Adjusted EBITDA loss improved to $18.8 million from $36.0 million. Platform loan volume via the Tinman AI platform increased 404% to $821 million, representing half of total loan volume.
Better ended the quarter with roughly $136 million in cash, restricted cash and net assets held for sale, announced $25 million of planned annualized cost reductions, expanded warehouse capacity to $850 million, and completed a $69 million underwritten equity offering. For Q2 2026, it guides to loan volume of $1.575–$1.725 billion, total net revenues of $53.0–$56.0 million, Adjusted EBITDA loss of $12.5–$14.0 million, and reaffirms an Adjusted EBITDA breakeven target by the end of Q3 2026.
Better Home & Finance Holding Company has called a virtual 2026 annual meeting for June 10, 2026, asking stockholders to elect eight directors and ratify the appointment of BDO USA, P.C. as independent auditor for 2026.
Holders of 13,083,708 shares of Class A common stock get one vote per share, and holders of 4,347,549 shares of Class B common stock get three votes per share as of the April 15, 2026 record date; 1,437,545 non‑voting Class C shares are also outstanding. The board reports that previously disclosed material weaknesses in internal control over financial reporting were remediated by December 31, 2025 and has replaced Deloitte, auditor since 2020, with BDO.
The proxy details extensive governance practices, including a majority‑independent board, a lead independent director, and combined compensation, governance and nominations oversight. It also outlines executive pay, with 2025 total compensation of $26.7 million for CEO Vishal Garg, $5.0 million for President/COO Chad Smith and $5.3 million for General Counsel Paula Tuffin, heavily weighted to equity awards and performance‑based PSUs. Director compensation includes cash and equity retainers, with Chairman Harit Talwar receiving $4.6 million in 2025, including consulting‑related PSUs tied to stock price and revenue goals.
Better Home & Finance Holding Co Chief Technology Officer Jonsson Sigurgeir Orn has disclosed a previously omitted stock option position on an amended Form 3. The filing shows vested and exercisable options for 46,276 shares of Class B common stock at an exercise price of $82.77 per share, expiring on January 4, 2031. This amendment updates the insider’s initial holdings record and does not reflect a new transaction in the company’s stock.
Better Home & Finance Holding Company filed a registration statement on Form S-3 to register for resale up to 211,312 shares of Class A Common Stock held by a selling stockholder that acquired the shares and an associated warrant in a private placement that closed on February 17, 2026. The company itself is not selling any shares and will receive no proceeds from resales; it will pay registration expenses. The resale shares include shares issuable upon exercise of a warrant with a $27.00 per-share first exercise price for the initial portion and a variable second exercise price for the remainder. The selling stockholder named is Framework Ventures IV L.P., which held 1,006,696 shares before the offering and would hold 795,384 shares after selling all registered shares, based on 13,079,960 shares outstanding as of April 14, 2026.
Framework Ventures IV L.P., a large shareholder of Better Home & Finance Holding Co, reported an open-market purchase of 54,384 shares of common stock at $32.96 per share. Following this buy, one indirect holding line shows 1,006,696 shares. Additional indirect holdings reported in the filing total 247,450 shares and 121,150 shares on separate lines, reflecting several related entities’ positions. No derivative securities are listed, so the disclosure focuses on common stock ownership and the recent net share increase.
Better Home & Finance Holding Co director Harit Talwar bought additional shares of the company in the open market. On April 9, 2026, he purchased 5,000 shares of Class A Common Stock in open-market transactions at a weighted average price of $32.8863 per share, with individual trade prices ranging from $32.81 to $32.89. Following these purchases, his direct ownership increased to 36,698 shares of Better Home & Finance Holding Co.
Better Home & Finance Holding Company completed an underwritten public stock offering of 2,156,250 Class A shares at $32.00 per share, generating aggregate net proceeds of $66,067,500 before expenses. Underwriters received a 4.25% discount on gross proceeds, and company insiders agreed to a 60-day lock-up on additional share sales.
The company also reported preliminary Q1 2026 funded loan volume of $1.64B, an 89% year-over-year increase that exceeded its prior guidance range of $1.40B-$1.55B. After the offering, cash and cash equivalents are expected to be about $130M, including $24M from its U.K.-based bank, and the company reaffirmed its goal of reaching $1.0B in monthly loan volume by the end of May 2026.
Better Home & Finance Holding Company is offering 1,875,000 shares of Class A Common Stock at a public offering price of $32.00 per share on a firm commitment underwritten basis, with an underwriter option for an additional 281,250 shares exercisable for 30 days.
The offering is expected to produce approximately $57.45M in net proceeds to the company (approximately $66.07M if the option is fully exercised). Proceeds are designated for growth capital and general corporate purposes. Delivery of shares is expected on or about April 9, 2026.