Better Home & Finance holder with 13.7% presses board

Better Home & Finance Holding Co (BETR) received an amended Schedule 13D from Vishal Garg and related entities updating their ownership and governance intentions.

Rhea-AI Filing Summary

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.

Key Figures

Garg beneficially owned shares: 2,029,224 shares Garg ownership percentage: 13.7% Shares outstanding: 13,243,928 shares +5 more

8 metrics

Garg beneficially owned shares 2,029,224 shares Total beneficial ownership including Class A, options, and convertible Class B

Garg ownership percentage 13.7% Percent of outstanding Class A common stock based on 13,243,928 shares as of July 31, 2026

Shares outstanding 13,243,928 shares Class A common stock outstanding as of July 31, 2026

1/0 Real Estate beneficial ownership 130,455 shares Class B shares convertible into Class A, about 1.0% of Class A

1/0 Holdco beneficial ownership 130,455 shares Indirect beneficial ownership via 1/0 Real Estate, LLC, about 1.0% of Class A

The 718 4Ever Trust I ownership 465,517 shares Class B shares convertible into Class A, about 3.5% of Class A

Currently exercisable options 387,137 options Options held by Garg to purchase shares of Class B Common Stock

Event date for amendment trigger 08/12/2026 Date of event requiring this Schedule 13D amendment

Key Terms

beneficial ownership, Schedule 13D, Class B Common Stock, written consents, +1 more

5 terms

beneficial ownership financial

"Mr. Garg has beneficial ownership of (a) 118,260 shares of Class A Common Stock"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

Schedule 13D regulatory

"This Amendment No.4 ("Amendment No. 4") amends and supplements the filed on"

A Schedule 13D is a legal document that investors file with regulators when they buy a large enough stake in a company to potentially influence its management or decisions. It provides details about the investor’s intention, ownership stake, and plans, helping other investors understand who is gaining control and what their motives might be.

Class B Common Stock financial

"shares of Class B Common Stock, which may be converted into the same number of"

A class B common stock is one of multiple types of a company’s ordinary shares that carries specific rights—often different voting power or dividend priority—compared with other classes. For investors it matters because those differences affect how much influence you have over company decisions, the income you might receive, and how freely the shares trade; think of it like owning a car with different keys: some keys let you start the engine and open the trunk, others only unlock the door.

written consents regulatory

"Mr. Garg has delivered written consents from stockholders who the Reporting Persons"

Written consents are formal, signed approvals by a corporation’s shareholders or board members that authorize a specific corporate action without holding a meeting. Like signing a permission slip instead of gathering in a room, they let required decision-makers record votes in writing, using the same legal vote thresholds as a meeting; investors watch them because they can speed decisions and change governance or corporate plans without a public session.

dispositive power financial

"Mr. Garg has the sole power to dispose or direct the disposition of all shares"

Dispositive power is the authority to decide the final outcome of an asset, legal claim, contract, or corporate action — in effect the power to dispose of or resolve something. For investors it matters because whoever holds that authority can determine who gets paid, who controls an asset or vote, and how risks and returns are allocated; think of it like holding the key that lets you lock in the winner or loser in a deal.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What percentage of Better Home & Finance (BETR) does Vishal Garg report owning in this Schedule 13D/A?

Vishal Garg reports beneficial ownership of 13.7% of BETR’s outstanding Class A common stock. This reflects 2,029,224 shares, including common stock, currently exercisable options, and Class B shares convertible into Class A, based on 13,243,928 Class A shares outstanding as of July 31, 2026.

How many Better Home & Finance (BETR) shares does Vishal Garg beneficially own according to the filing?

The filing states Vishal Garg beneficially owns 2,029,224 shares tied to BETR. This includes 118,260 Class A shares, 387,137 currently exercisable options for Class B shares, and 1,523,827 Class B shares convertible into the same number of Class A shares.

What governance changes is Vishal Garg seeking at Better Home & Finance (BETR)?

The reporting persons are discussing changes to the board composition and the removal of interim CEO Daniel Lewis and certain directors. As of August 17, 2026, Garg has delivered written consents from stockholders he believes hold a majority of voting power approving removal of five named directors.

What action does the Schedule 13D/A say may occur if BETR’s board does not act on the written consents?

If the directors do not accept the written consents or resign, Vishal Garg plans to commence a formal consent solicitation. The filing states he would immediately file a preliminary consent statement with the SEC to formally solicit stockholder written consents to effect the proposed board changes.

How much of Better Home & Finance (BETR) do 1/0 Real Estate, LLC and The 718 4Ever Trust I beneficially own?

1/0 Real Estate, LLC reports beneficial ownership of 130,455 convertible Class B shares, equal to about 1.0% of BETR’s Class A. The 718 4Ever Trust I reports 465,517 convertible Class B shares, representing about 3.5% of the outstanding Class A common stock.

What share count does the filing use for Better Home & Finance (BETR) to calculate ownership percentages?

Ownership percentages are based on 13,243,928 shares of Class A common stock outstanding. This figure comes from BETR’s Quarterly Report on Form 10-Q, which reported that number of Class A shares outstanding as of July 31, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 08/17/2026 - 08:12 AM EDT Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 4)

Better Home & Finance Holding Co

(Name of Issuer)

Class A common stock, par value $0.0001 per share

(Title of Class of Securities)

08774B508

(CUSIP Number)

Vishal Garg
1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A
New York, NY, 10007
415-523-8837

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

08/12/2026

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

schemaVersion:

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

Garg Vishal

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 2,029,224.00
8	Shared Voting Power 0.00
9	Sole Dispositive Power 2,029,224.00
10	Shared Dispositive Power 0.00

11

Aggregate amount beneficially owned by each reporting person

2,029,224.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

13.7 %

14

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes (1) 118,260 shares of Class A Common Stock directly held by Mr. Garg; and (2) (a) 927,855 shares of Class A Common Stock directly held by Mr. Garg that may be obtained upon the conversion of 927,855 shares of Class B Common Stock, (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock directly held by Mr. Garg; (3) 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein; and (4) 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,243,928 shares of Class A Common Stock outstanding as of July 31, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission (the "SEC") on August 11, 2026.

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

1/0 Real Estate, LLC

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 130,455.00
8	Shared Voting Power 0.00
9	Sole Dispositive Power 130,455.00
10	Shared Dispositive Power 0.00

11

Aggregate amount beneficially owned by each reporting person

130,455.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

1.0 %

14

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,243,928 shares of Class A Common Stock outstanding as of July 31, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission (the "SEC") on August 11, 2026.

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

1/0 Holdco, LLC

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 130,455.00
8	Shared Voting Power 0.00
9	Sole Dispositive Power 130,455.00
10	Shared Dispositive Power 0.00

11

Aggregate amount beneficially owned by each reporting person

130,455.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

1.0 %

14

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,243,928 shares of Class A Common Stock outstanding as of July 31, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission (the "SEC") on August 11, 2026.

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

The 718 4Ever Trust I

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 465,517.00
8	Shared Voting Power 0.00
9	Sole Dispositive Power 465,517.00
10	Shared Dispositive Power 0.00

11

Aggregate amount beneficially owned by each reporting person

465,517.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

3.5 %

14

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,243,928 shares of Class A Common Stock outstanding as of July 31, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission (the "SEC") on August 11, 2026.

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Class A common stock, par value $0.0001 per share
(b)	Name of Issuer: Better Home & Finance Holding Co
(c)	Address of Issuer's Principal Executive Offices: 1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A, New York, NEW YORK , 10007.
Item 1 Comment: This Amendment No.4 ("Amendment No. 4") amends and supplements the Schedule 13D filed on September 7, 2021 (the "Original Schedule 13D", together with Amendment No. 1, Amendment No. 2, Amendment No. 3 and Amendment No. 4, the "Schedule 13D") relating to shares of Class A common stock, par value $0.0001 per share (the "Class A Common Stock"), of Better Home & Finance Holding Company, a Delaware corporation (the "Issuer"). All capitalized terms contained herein but not otherwise defined shall have the meanings ascribed to such terms in the Schedule 13D.
Item 4.	Purpose of Transaction
	Item 4 of the Schedule 13D is hereby amended and supplemented by adding the following: The Reporting Persons have engaged, and expect to continue to engage, in discussions with members of the Issuer's Board and management, and certain stockholders of the Issuer, regarding certain changes to the composition of the Board and the removal of Daniel Lewis as interim CEO of the Issuer. Starting August 6, 2026, Harit Talwar and Prabhu Narasimhan invited Mr. Garg to demonstrate that he has the support of a majority of the voting power of the Issuer for the actions he is seeking to take, indicating that they and directors Bhaskar Menon and Arnaud Massenet would resign or consent to their removal from the Board if Mr. Garg provided evidence of such support. Mr. Garg subsequently provided declarations of support to the Board from stockholders who the Reporting Persons believe collectively represent more than 50.1% of the voting power of the Issuer based on information publicly filed by the Issuer and/or provided by the Issuer's counsel. Members of the Board responded by requesting Mr. Garg to provide written consents from such stockholders to formalize the actions being taken by a resolution. To that end, as of August 17, 2026, Mr. Garg has delivered written consents from stockholders who the Reporting Persons believe represent a majority of the voting power of the Issuer approving resolutions to remove, without cause, the following directors from his or her position as a member of the Board of the Issuer: o Harit Talwar o Arnaud Massenet o Bhaskar Menon o Prabhu Narasimhan o Daniel Lewis Should for any reason these members of the Board fail to accept such written consents or fail to voluntarily resign in response to the clear will of the holders of a majority of the voting power of the Issuer, then Mr. Garg will immediately commence a formal solicitation of written consents by filing a preliminary consent statement with the SEC.
Item 5.	Interest in Securities of the Issuer
(a)	Each of Item 5(a) and 5(b) is hereby amended, restated and supplemented in its entirety with the following information: Mr. Garg has beneficial ownership of (a) 118,260 shares of Class A Common Stock, (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock, and (c) 1,523,827 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 13.7% of outstanding Class A Common Stock, based on 13,243,928 shares of Class A Common Stock outstanding as of July 31, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the SEC on August 11, 2026. 1/0 Real Estate, LLC has beneficial ownership of 130,455 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 1.0% of the outstanding Class A Common Stock as of July 31, 2026. 1/0 Real Estate, LLC is wholly-owned by 1/0 Holdco, LLC. As a result, 1/0 Holdco, LLC has beneficial ownership of the Class A Common Stock described in the immediately preceding paragraph. Mr. Garg is the controlling member of 1/0 Holdco, LLC. The 718 4Ever Trust I has beneficial ownership of 465,517 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 3.5% of outstanding Class A Common Stock. The percentage of the Class A Common Stock and the aggregate outstanding Common Stock is based upon the share information described in the second paragraph under Item 5. Mr. Garg has the sole power to dispose or direct the disposition of all shares of Class A Common Stock and Class B Common Stock beneficially owned.
(b)	Item 5(b) of the Schedule 13D is hereby amended and supplemented by adding the following: The information set forth in Item 5(a) is hereby incorporated by reference to this Item 5(b), as applicable.
(c)	Item 5(c) of the Schedule 13D is hereby amended and supplemented by adding the following: There were no transactions effected in Common Stock during the past 60 days by Mr. Garg.
(d)	Not applicable.
(e)	Not applicable.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Garg Vishal

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg
Date:	08/17/2026

1/0 Real Estate, LLC

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg, Authorized Signatory
Date:	08/17/2026

1/0 Holdco, LLC

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg, Authorized Signatory
Date:	08/17/2026

The 718 4Ever Trust I

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg, Authorized Signatory
Date:	08/17/2026