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 Company has changed its independent auditor. On March 16, 2026, the audit committee dismissed Deloitte & Touche LLP, effective immediately, after a competitive selection process. Deloitte’s reports for 2024 and 2025 contained no adverse opinions, and there were no disagreements on accounting or audit matters.
The company had previously disclosed material weaknesses in internal control over financial reporting, which it concluded were remediated as of December 31, 2025, after discussion with Deloitte. The audit committee appointed BDO USA, P.C. as the new independent registered public accounting firm for the 2026 fiscal year, with an engagement letter executed on March 18, 2026.
Better Home & Finance Holding Co director and CEO Vishal Garg reported equity compensation activity involving restricted stock units (RSUs) and related tax withholding. On March 15, 2026, he exercised RSUs covering 3,167 shares of Class A common stock at a conversion price of $0.00 per share, turning the award into common shares.
To cover tax obligations from RSU vesting, the issuer withheld 1,319 shares on March 13, 2026 at $32.90 per share and 1,752 shares on March 15, 2026 at $34.45 per share, as described in the footnotes. These F‑code transactions are tax‑withholding dispositions, not open‑market sales.
Following these transactions, Garg directly holds 31,460 shares of Class A common stock. The RSUs referenced each represent a contingent right to receive one share, with vesting scheduled in tranches from July 1, 2025 through March 15, 2026, and the filing shows this grant now fully vested and exercised.
Better Home & Finance Holding Co executive Paula Tuffin, the General Counsel and Chief Compliance Officer, reported routine equity compensation activity involving restricted stock units and related tax withholding. On March 15, 2026, she exercised 3,167 Restricted Stock Units, receiving the same number of Class A common shares at a conversion price of $0.00 per share, increasing her direct holdings to 39,527 shares of Class A common stock.
To cover tax obligations from RSU vesting, 1,203 shares of Class A common stock were withheld on March 13, 2026 at a reference price of $32.90 per share, and 1,620 shares were withheld on March 16, 2026 at a reference price of $34.45 per share. After these tax-withholding dispositions, Tuffin directly holds 37,907 Class A shares. Footnotes explain that each RSU represents a right to receive one share and detail a vesting schedule running from July 1, 2025 through March 15, 2026.
Better Home & Finance Holding Co executive Chad M. Smith, President & COO of Better Mortgage, reported a mix of stock sales, tax‑related share withholdings, and RSU vesting in Class A common stock.
On March 15, 2026, restricted stock units representing 4,834 shares were exercised into Class A common stock at a $0.00 conversion price, increasing his direct holdings. To cover taxes on RSU vesting, the issuer withheld 2,266 shares on March 13, 2026 at $32.90 per share and 2,460 shares on March 16, 2026 at $34.45 per share; these are tax-withholding dispositions, not market sales.
Separately, a trust associated with Smith executed open‑market sales of 2,567 shares on March 16, 2026 at a weighted average price of $29.8025 per share, and 2,374 shares on March 17, 2026 at a weighted average price of $28.5131 per share, across price ranges disclosed in the footnotes. After these transactions, the filing shows 4,941 shares held directly and 18,575 shares held indirectly through a trust.
Better Home & Finance Holding Co reports proposed sale of common shares following RSU vesting. The filing lists 2,374 restricted stock units that vested on 03/15/2026 and multiple cash-market dispositions by an affiliated trust during January–March 2026, with individual sale dates and share counts shown.
Better Home & Finance Holding Co received a Form 4 showing an affiliated Framework Ventures entity buying more shares. Framework Ventures IV L.P. indirectly purchased 25,000 shares of common stock in an open-market transaction at $29.55 per share, bringing that reporting line’s indirect holdings to 859,312 shares.
The filing also lists additional indirect common stock holdings entries of 247,450 shares and 121,150 shares for related entities, indicating a sizeable overall position associated with the Framework Ventures group.
Better Home & Finance Holding Co. Form 144 reports proposed or completed sales of Common Stock by a selling holder. The excerpt lists multiple sale dates in 2025–2026 and per-transaction proceeds amounts in dollars, including specific transactions on 12/15/2025, 01/06/2026, and 02/17/2026.
Better Home & Finance Holding Co reported an insider open‑market purchase of its Common Stock tied to Framework Ventures–related entities. Framework Ventures IV L.P. acquired 29,494 shares at a price of $34.12 per share, increasing an indirect position to 834,312 shares following the transaction.
Additional indirect holdings reported for related entities total 247,450 shares and 121,150 shares of Common Stock. The filing notes that Framework Ventures IV GP LLC, Framework Ventures Management LLC, Vance Spencer and Michael Ernest Anderson, as well as Framework Labs, Inc., may be deemed beneficial owners but each disclaims beneficial ownership except to the extent of any pecuniary interest.
Better Home & Finance Holding Company is a technology-enabled homeownership platform offering mortgages, home equity and related services through its Tinman AI system and Better Plus marketplace. It operates across direct-to-consumer and partner channels, and is licensed to originate mortgages in all 50 U.S. states.
For the year ended December 31, 2025, funded loan volume reached $4.7 billion, up from $3.6 billion in 2024. Revenue rose to $164.9 million from $108.5 million, while the company recorded a net loss of $165.9 million, improved from a $206.3 million net loss in 2024.
Management highlights advantages from its scalable Tinman platform, data-driven workflows and limited credit exposure, while emphasizing heavy dependence on interest rates, secondary market liquidity, GSE relationships and warehouse facilities. The risk section underscores ongoing operating losses, regulatory complexity, competition, reliance on key leaders and technology, and sensitivity to U.S. housing and macroeconomic conditions.
Better Home & Finance Holding Company reported strong growth but ongoing losses for Q4 2025. Revenue was approximately $44 million, up about 77% year over year, while Funded Loan Volume rose 56% to $1.5 billion. Net loss improved to about $40 million, and Adjusted EBITDA loss narrowed to $24 million.
Better’s Tinman AI Platform Funded Loan Volume reached $646 million, more than 40% of total volume, exceeding prior guidance of $600 million. The company ended the quarter with roughly $229 million in cash, restricted cash, short-term investments, and assets held for sale, and had $575 million of warehouse financing capacity.
Management issued Q1 2026 Loan Volume guidance of $1.40–$1.55 billion, reaffirmed its goal of reaching $1.0 billion in Monthly Loan Volume by the end of May 2026, and reiterated its target of Adjusted EBITDA breakeven by the end of Q3 2026.