Better Home & Finance removes five directors

The reported 13.7% beneficial-ownership amount includes directly held shares, convertible Class B shares, exercisable options, and shares held by an LLC and a trust.

Rhea-AI Filing Summary

Better Home & Finance Holding Co (BETR) reported that proposals in a stockholder consent solicitation were effectuated on October 5, 2026, after the issuer’s independent election inspector certified the results. The proposals included removing without cause directors Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar. Written consents delivered September 30, 2026 represented a majority of the issuer’s outstanding voting power as of the August 21, 2026 record date.

Reporting person Vishal Garg reported beneficial ownership of 2,029,224 shares of Class A common stock, or 13.7%. The amount includes 118,260 shares held directly, 927,855 shares obtainable upon conversion of Class B common stock, 387,137 currently exercisable options to purchase Class B common stock, and 130,455 and 465,517 shares obtainable upon conversion of Class B shares held by 1/0 Real Estate, LLC and The 718 4Ever Trust I, respectively. The percentage was calculated using 13,256,037 Class A shares outstanding as of August 21, 2026. Garg disclaimed beneficial ownership of shares held by the LLC and trust except to the extent of his pecuniary interest.

Key Figures

Vishal Garg beneficial ownership: 2,029,224 shares Class represented: 13.7% Class A shares outstanding: 13,256,037 shares +5 more

8 metrics

Vishal Garg beneficial ownership 2,029,224 shares Class A common stock, including shares obtainable through conversion and options

Class represented 13.7% Beneficial ownership reported by Vishal Garg

Class A shares outstanding 13,256,037 shares As of August 21, 2026

Directly held shares 118,260 shares Class A common stock held directly by Vishal Garg

Shares obtainable upon conversion 927,855 shares Class B common stock held directly by Vishal Garg

Currently exercisable options 387,137 options Options to purchase Class B common stock held directly by Vishal Garg

Shares obtainable upon conversion held by 1/0 Real Estate, LLC 130,455 shares Class B common stock

Shares obtainable upon conversion held by The 718 4Ever Trust I 465,517 shares Class B common stock

Key Terms

beneficial ownership, Consent Solicitation, sole dispositive power, record date

4 terms

beneficial ownership technical

"aggregate amount beneficially owned"

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.

Consent Solicitation regulatory

"the Consent Solicitation"

A consent solicitation is a formal request sent to shareholders or creditors asking them to sign off on a proposed corporate change—such as altering governance rules, approving a deal, or waiving contract terms—without holding a full meeting. It matters to investors because it can quickly change their rights, voting power or the company’s direction, much like asking neighbors to sign a petition to alter a shared fence rather than discussing it at a community meeting.

sole dispositive power technical

"Sole Dispositive Power"

Sole dispositive power is the exclusive legal authority to decide what happens to a security — for example, whether to sell, transfer, or retain shares — without needing anyone else’s permission. Investors care because it signals who truly controls the economic outcome of an investment: like holding the only key to a safe, the holder can realize gains or losses and may trigger regulatory reporting, insider rules, or influence over corporate ownership.

record date regulatory

"the record date for the Consent Solicitation"

The record date is the specific day when a company determines which shareholders are eligible to receive a dividend or participate in an upcoming vote. It’s like a cutoff date; if you own the stock on that day, you get the benefits or voting rights. This date matters because it decides who qualifies for certain company benefits.

FAQ

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

How many BETR shares did Vishal Garg report beneficially owning?

Vishal Garg reported beneficial ownership of 2,029,224 shares of Class A common stock, or 13.7%. The amount includes directly held shares, shares obtainable upon conversion of Class B common stock, currently exercisable options, and shares held through an LLC and a trust.

Which BETR directors were removed through the consent solicitation?

The proposals to remove without cause five directors—Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar—were effectuated on October 5, 2026. Written consents representing a majority of the issuer’s outstanding voting power as of the August 21, 2026 record date were delivered September 30, 2026.

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

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Available on EDGAR 10/05/2026 - 06:38 PM Accepted by SEC EDGAR 10/05/2026 - 06:37 PM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 6)

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)

10/05/2026

(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 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 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 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 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 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 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 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 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 ST, FLR 80, SUITE A, NEW YORK, NEW YORK , 10007.
Item 1 Comment: This Amendment No. 6 ("Amendment No. 6") 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, Amendment No. 4, Amendment No. 5 and Amendment No. 6, 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 to include the following information: As previously disclosed, the Reporting Persons filed a consent solicitation statement on Schedule 14A with the Securities and Exchange Commission to, among other things, remove without cause, Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar, as directors of the Issuer (the "Consent Solicitation"). On September 30, 2026, the Reporting Persons delivered signed written consents representing a majority of the Issuer's outstanding voting power as of August 21, 2026, the record date for the Consent Solicitation, evidencing that the Issuer's stockholders had approved each of the Reporting Persons' proposals. On October 5, 2026, the results of the Consent Solicitation were certified by the Issuer's independent election inspector and the Reporting Persons' proposals, including to remove each of Messrs. Lewis, Massenet, Menon, Narasimhan and Talwar, as directors of the Issuer, were effectuated.

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:	10/05/2026

1/0 Real Estate, LLC

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg, Authorized Signatory
Date:	10/05/2026

1/0 Holdco, LLC

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg, Authorized Signatory
Date:	10/05/2026

The 718 4Ever Trust I

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg, Authorized Signatory
Date:	10/05/2026