Framework-affiliated reporting persons filed a Schedule 13G disclosing beneficial ownership of Better Home & Finance Holding Co. (Class A Common Stock). The filing reports Framework Ventures IV L.P. holds 952,312 shares (9.0%). Spencer Vance is shown with combined holdings of 1,320,912 shares (12.4%) and Michael Ernest Anderson with 1,199,762 shares (11.3%), each reflecting shared voting/dispositive power. The filing states there were 10,639,547 shares outstanding as of March 2, 2026, and the statement is a joint filing by the listed Framework entities and individuals.
Positive
None.
Negative
None.
Insights
Schedule 13G shows concentrated ownership among Framework entities and two executives.
The filing lists Framework Ventures IV L.P. with 952,312 shares and two principals with reported combined positions of 1,320,912 and 1,199,762 shares. Ownership percentages are calculated using March 2, 2026 outstanding shares of 10,639,547.
Concentrated holdings of this scale can influence governance votes; subsequent disclosures may show whether holdings change or if any Section 13(d) reporting is required.
Key Figures
Shares outstanding:10,639,547 sharesFramework Ventures IV L.P. holdings:952,312 sharesSpencer Vance holdings:1,320,912 shares+2 more
5 metrics
Shares outstanding10,639,547 sharesas of March 2, 2026
Framework Ventures IV L.P. holdings952,312 sharesreported beneficial ownership, <percent>9.0%</percent>
"This statement is filed jointly by Framework Ventures IV L.P."
A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.
beneficial ownershipregulatory
"Amount beneficially owned: The information required by Item 4(a) is set forth"
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.
shared dispositive powerfinancial
"Shared Dispositive Power 952,312.00"
joint filingregulatory
"This statement is filed jointly by Framework Ventures IV L.P."
What does the Schedule 13G filed for BETR disclose?
It discloses beneficial ownership by Framework-related parties and two individuals. The filing lists Framework Ventures IV L.P. with 952,312 shares (9.0%) and shows combined holdings tied to Spencer Vance and Michael Anderson.
How many BETR shares does Framework Ventures IV L.P. own?
Framework Ventures IV L.P. holds 952,312 shares, representing 9.0% of the class. This percentage is based on 10,639,547 shares outstanding as of March 2, 2026.
What percent of BETR does Spencer Vance beneficially own?
Spencer Vance is reported with 1,320,912 shares, equal to 12.4% of the Class A common stock based on the disclosed outstanding share count.
What share count is used to calculate percentages in the filing?
Percentages use 10,639,547 shares outstanding as of March 2, 2026, per the filing's citation of the issuer's Form 10-K information.
Who filed the Schedule 13G for BETR?
The statement was filed jointly by Framework LP, Framework GP, Framework Management, Framework Labs, and reporting individuals Spencer Vance and Michael Ernest Anderson as listed in the filing.
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
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)
03/31/2026
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
Rule 13d-1(b)
Rule 13d-1(c)
Rule 13d-1(d)
schemaVersion:
SCHEDULE 13G
CUSIP Number(s):
08774B508
1
Names of Reporting Persons
Framework Ventures IV L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
952,312.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
952,312.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
952,312.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
9.0 %
12
Type of Reporting Person (See Instructions)
PN
Comment for Type of Reporting Person: Includes 952,312 shares of Class A Common Stock held by Framework Ventures IV L.P.
SCHEDULE 13G
CUSIP Number(s):
08774B508
1
Names of Reporting Persons
Framework Ventures Management LLC
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
952,312.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
952,312.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
952,312.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
9.0 %
12
Type of Reporting Person (See Instructions)
IA
Comment for Type of Reporting Person: Includes 952,312 shares of Class A Common Stock held by Framework Ventures IV L.P.
SCHEDULE 13G
CUSIP Number(s):
08774B508
1
Names of Reporting Persons
Framework Ventures IV GP LLC
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
952,312.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
952,312.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
952,312.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
9.0 %
12
Type of Reporting Person (See Instructions)
OO
Comment for Type of Reporting Person: Includes 952,312 shares of Class A Common Stock held by Framework Ventures IV L.P.
SCHEDULE 13G
CUSIP Number(s):
08774B508
1
Names of Reporting Persons
Spencer Vance
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
UNITED STATES
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
121,150.00
6
Shared Voting Power
1,199,762.00
7
Sole Dispositive Power
121,150.00
8
Shared Dispositive Power
1,199,762.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
1,320,912.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
12.4 %
12
Type of Reporting Person (See Instructions)
IN
Comment for Type of Reporting Person: Includes 121,150 shares of Class A Common Stock held personally by Vance Spencer, 952,312 shares of Class A Common Stock held by Framework Ventures IV L.P. and 247,450 shares of Class A Common Stock held by Framework Labs, Inc.
SCHEDULE 13G
CUSIP Number(s):
08774B508
1
Names of Reporting Persons
Anderson Michael Ernest
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
UNITED STATES
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
1,199,762.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
1,199,762.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
1,199,762.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
11.3 %
12
Type of Reporting Person (See Instructions)
IN
Comment for Type of Reporting Person: Includes 952,312 shares of Class A Common Stock held by Framework Ventures IV L.P. and 247,450 shares of Class A Common Stock held by Framework Labs, Inc.
SCHEDULE 13G
CUSIP Number(s):
08774B508
1
Names of Reporting Persons
Framework Labs, Inc.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
247,450.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
247,450.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
247,450.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
2.3 %
12
Type of Reporting Person (See Instructions)
CO
Comment for Type of Reporting Person: Includes 247,450 shares of Class A Common Stock held by Framework Labs, Inc.
SCHEDULE 13G
Item 1.
(a)
Name of issuer:
Better Home & Finance Holding Co
(b)
Address of issuer's principal executive offices:
1 World Trade Center, 285 Fulton St., 80th Floor, Suite A, NEW YORK, NEW YORK, 10007.
Item 2.
(a)
Name of person filing:
This statement is filed jointly by Framework Ventures IV L.P. ("Framework LP"), Framework Ventures IV GP LLC ("Framework GP"), Framework Ventures Management LLC ("Framework Management"), Vance Spencer ("Mr. Spencer"), Michael Ernest Anderson ("Mr. Anderson") and Framework Labs, Inc. ("Framework Labs", and together with Framework LP, Framework GP, Framework Management, Mr. Spencer and Mr. Anderson, the "Reporting Persons"). Framework GP is the general partner of Framework LP. Framework Management is the investment manager of Framework LP. Mr. Spencer and Mr. Anderson are members and the managers of Framework GP and the managing members of Framework Management. Mr. Spencer and Mr. Anderson serve as executive officers and directors of Framework Labs. Each of Mr. Spencer and Mr. Anderson may be deemed to share voting power over the shares held by Framework Labs by virtue of their positions with Framework Labs. Mr. Spencer and Mr. Anderson are control persons of Framework Labs and Framework LP.
The filing of this statement should not be construed as an admission that the Reporting Persons are, for the purposes of Section 13 of the Securities and Exchange Act of 1934, the beneficial owner of the securities reported herein.
(b)
Address or principal business office or, if none, residence:
The address and principal business office of each of the Reporting Persons is 600 Montgomery Street, Floor 42, San Francisco, CA 94111.
(c)
Citizenship:
Framework LP is a Delaware limited partnership. Framework GP is a Delaware limited liability company. Framework Management is a Delaware limited liability company. Framework Labs is a Delaware corporation. Mr. Spencer is a citizen of the United States of America. Mr. Anderson is a citizen of the United States of America.
(d)
Title of class of securities:
Class A Common Stock, par value $0.0001 per share
(e)
CUSIP Number(s):
08774B508
Item 3.
If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)
Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)
Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)
Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)
Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)
An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)
An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)
A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)
A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)
A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)
A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J),
please specify the type of institution:
(k)
Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.
Ownership
(a)
Amount beneficially owned:
The information required by Item 4(a) is set forth in Row 9 of the cover page for the Reporting Persons and is incorporated herein by reference.
The percentage set forth in this Schedule 13G is calculated based upon an aggregate of 10,639,547 shares of Class A Common Stock outstanding as of March 2, 2026, as reported by the Issuer in its Form 10-K filed with the SEC on March 13, 2026.
(b)
Percent of class:
The information required by Item 4(b) is set forth in Row 11 of the cover page for each of the Reporting Persons and is incorporated by reference herein.
(c)
Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote:
The information required by Item 4(c)(i) is set forth in Row 5 of the cover page for the Reporting Persons and is incorporated herein by reference.
(ii) Shared power to vote or to direct the vote:
The information required by Item 4(c)(ii) is set forth in Row 6 of the cover page for the Reporting Persons and is incorporated herein by reference.
(iii) Sole power to dispose or to direct the disposition of:
The information required by Item 4(c)(iii) is set forth in Row 7 of the cover page for the Reporting Persons and is incorporated herein by reference.
(iv) Shared power to dispose or to direct the disposition of:
The information required by Item 4(c)(iv) is set forth in Row 8 of the cover page for the Reporting Persons and is incorporated herein by reference.
Item 5.
Ownership of 5 Percent or Less of a Class.
Not Applicable
Item 6.
Ownership of more than 5 Percent on Behalf of Another Person.
Not Applicable
Item 7.
Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
Not Applicable
Item 8.
Identification and Classification of Members of the Group.
Not Applicable
Item 9.
Notice of Dissolution of Group.
Not Applicable
Item 10.
Certifications:
By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.
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.
Framework Ventures IV L.P.
Signature:
/s/ John DiCerbo
Name/Title:
John DiCerbo, attorney-in-fact for Michael Ernest Anderson, Authorized Signatory
Date:
04/06/2026
Framework Ventures Management LLC
Signature:
/s/ John DiCerbo
Name/Title:
John DiCerbo, attorney-in-fact for Michael Ernest Anderson, Authorized Signatory
Date:
04/06/2026
Framework Ventures IV GP LLC
Signature:
/s/ John DiCerbo
Name/Title:
John DiCerbo, attorney-in-fact for Michael Ernest Anderson, Authorized Signatory
Date:
04/06/2026
Spencer Vance
Signature:
/s/ John DiCerbo
Name/Title:
John DiCerbo, attorney-in-fact for Vance Spencer
Date:
04/06/2026
Anderson Michael Ernest
Signature:
/s/ John DiCerbo
Name/Title:
John DiCerbo, attorney-in-fact for Michael Ernest Anderson, Authorized Signatory
Date:
04/06/2026
Framework Labs, Inc.
Signature:
/s/ John DiCerbo
Name/Title:
John DiCerbo, attorney-in-fact for Michael Ernest Anderson, Authorized Signatory
Date:
04/06/2026
Exhibit Information
Exhibit 24.1 Power of Attorney
Exhibit 24.2 Power of Attorney
Exhibit 99.1 Joint Filing Agreement, by and among the Reporting Persons
