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The Garg Group, led by Vishal Garg, has initiated a written consent solicitation to change the governance of Better Home & Finance Holding Company. The group beneficially owns 118,260 Class A shares and 1,910,964 Class B shares, representing 13.7% of the outstanding voting stock.
They are asking stockholders to approve two proposals: a Bylaw Restoration Proposal that repeals any bylaw provisions not included in the bylaws filed on August 22, 2023, and a Removal Proposal to remove five of the eight current directors and certain future appointees. Both proposals require affirmative written consents from holders of a majority of outstanding voting stock, delivered within 60 days of the earliest dated consent.
The filing explains DGCL mechanics for action by written consent, instructions for beneficial and registered holders, and notes that successful removal of at least five directors may constitute a change in control under several executive severance, equity incentive, director compensation, and inducement award plans, potentially triggering severance payments and accelerated vesting of equity awards.
Better Home & Finance Holding Co (BETR) received an amended Schedule 13D from Vishal Garg and related entities updating their ownership and governance intentions. Garg reports beneficial ownership of 2,029,224 shares (including common, options, and convertible Class B shares), representing 13.7% of the outstanding Class A common stock, based on 13,243,928 Class A shares outstanding as of July 31, 2026.
Affiliated entities 1/0 Real Estate, LLC and 1/0 Holdco, LLC each report 130,455 shares beneficially owned (about 1.0% of Class A), and The 718 4Ever Trust I reports 465,517 shares (about 3.5%). The filing states that Garg has begun and expects to continue discussions with the board, management, and certain stockholders about changing board composition and removing interim CEO Daniel Lewis and several directors, and that as of August 17, 2026 he has delivered written consents from stockholders the reporting persons believe hold a majority of the issuer’s voting power. If these consents are not accepted or followed by resignations, Garg plans to commence a formal consent solicitation.
Better Home & Finance Holding Co significant shareholder group updates its ownership and intentions. Entities associated with Steven Sarracino and Activant report beneficial ownership of 1,290,178 Shares of Class A common stock, or 8.9% of the class, based on 13,243,928 Shares outstanding as of July 31, 2026. Most holdings are Shares issuable upon conversion of Class B common stock by various Activant Ventures III funds, plus 72,206 Shares held by Better Voyager Partners. The filing states there have been no transactions in the Shares by these reporting persons since the prior amendment. Sarracino, Vishal Garg and Tony Bobulinski have engaged, and expect to continue to engage, in discussions with the board, management and certain stockholders regarding potential changes to board composition and the issuer’s interim or long-term CEO. The reporting persons note they may be deemed part of a broader group that could beneficially own 4,539,572 Shares, or approximately 26.8% of Shares outstanding, while expressly disclaiming such group status and certain beneficial ownership.
FRONTIER CAPITAL MANAGEMENT CO., LLC filed an amended Schedule 13G reporting its holdings in Better Home & Finance Holding Company Class A common stock. As of 06/30/2026, Frontier reported beneficial ownership of 625,598 Class A shares, representing 4.78% of the class.
Frontier reported sole voting power over 281,649 shares and sole dispositive power over 625,598 shares, with no shared voting or dispositive power. The filing notes that Frontier now holds 5 percent or less of the outstanding Class A common stock.
Better Home & Finance Holding Company reported higher revenue but continued losses for the quarter ended June 30, 2026. From continuing operations, total net revenues rose to $54.7 million from $42.7 million a year earlier, driven mainly by higher gain on sale of loans.
The company recorded a quarterly net loss of $30.6 million compared with $36.3 million in the prior-year quarter. For the first six months of 2026, net loss was $100.9 million. Discontinued operations related to Birmingham Bank produced a six‑month net loss of $20.1 million, including a $15.7 million write‑down of the disposal group, partly offset by a $2.4 million write‑up.
Cash and cash equivalents increased to $102.3 million and total cash, cash equivalents and restricted cash to $111.9 million. Warehouse borrowings rose to $454.3 million on $511.1 million of mortgage loans held for sale at fair value. Customer deposits at Birmingham Bank were $746.0 million, and stockholders’ equity increased to $57.9 million, helped by equity issuances and warrant exercises, despite an accumulated deficit of $2.18 billion.
Better Home & Finance Holding Company submitted a notification of late filing for its Quarterly Report on Form 10-Q for the three months ended June 30, 2026. The company states it needs additional time to complete quarter-end closing procedures and indicates the report could not be filed on time without unreasonable effort or expense.
The company expects to file the Form 10-Q with the SEC as soon as practicable and plans to do so on or before the five-calendar-day extension period permitted under Rule 12b-25 for a Form 10-Q.
Better Home & Finance Holding Co officer and director Daniel Seth Lewis, serving as Interim CEO, reports direct ownership of 520,490 shares of Class A Common Stock. The entry dated 2026-07-27 is recorded as a holding, with no buy or sell transactions reported.
Better Home & Finance Holding Company reported second quarter 2026 Loan Volume of $1.67 billion, up 38% year over year, and Total Net Revenues of $54.7 million, up 28%. Platform Loan Volume reached $912 million, or 55% of Loan Volume, with 5,724 total loans completed. By product, purchase loans were $824 million (49% of volume), refinancings $549 million (33%), and HELOCs $294 million (18%).
The company recorded a Q2 2026 net loss of $30.6 million versus a loss of $36.3 million a year earlier, and an Adjusted EBITDA loss of $14.0 million versus $22.9 million, including a $6.5 million benefit from a TRID reserve release. Cash and cash equivalents were $102.3 million with restricted cash of $9.6 million. Results reflect the reclassification of the U.K.-based bank to discontinued operations.
Operationally, Home Equity Loan Volume grew 45% quarter over quarter and platform loan volume increased 11%. Daniel Lewis, a board member, was appointed Interim CEO effective August 3, 2026, while founder Vishal Garg remains on the board. The company increased targeted annualized cost reductions to exceed $45 million by year-end 2026 and guided Q3 2026 Loan Volume of $1.375–$1.525 billion, Total Net Revenues of $49.0–$52.0 million, and Adjusted EBITDA of $(18.0)–$(15.0) million.
Better Home & Finance Holding Company appointed Board member Daniel Lewis as Interim Chief Executive Officer, effective August 3, 2026, as founder Vishal Garg stepped down from the CEO role but remains on the Board to support the transition. The Board expects the overwhelming majority of Lewis’s compensation to be tied to shareholder returns and long-term operating performance.
The company is sharpening its strategy around a platform model where partners handle customer acquisition while Better focuses on manufacturing mortgages efficiently on its Tinman® AI platform. Management expects annualized cost reductions to exceed $45 million by year-end, above the previously announced $25 million target, and continues to pursue a sale of its UK bank subsidiary, Birmingham Bank. The second-quarter 2026 earnings release and investor call have been moved to after market close on August 6, 2026.
Preliminary second-quarter 2026 results include Funded Loan Volume of $1.67 billion, up 38% year over year, revenue of $54.7 million, up 28% year over year, a net loss of $30.6 million, and Adjusted EBITDA of $(13,988) thousand, which includes a $6.5 million benefit from a TRID reserve release. These figures are estimates and remain subject to completion of normal closing procedures.
Better Home & Finance Holding Company amended its broker agreement with Intuit Credit Karma on July 28, 2026. Under the expanded partnership, Better will offer Home Equity Line of Credit (HELOC) products to Intuit Credit Karma’s U.S. consumer base of 140 million users under the “Credit Karma Home Loans powered by Better” brand.
These HELOCs will be offered alongside the Rate Term Refinance and Cash out Refinance products already available through the relationship. Better states that, once launched, HELOC offerings are expected to contribute meaningfully to its loan volume and revenue growth over the following several quarters, while noting that these expectations are forward-looking and subject to risks described in its SEC filings.