Better Home & Finance (BETR) renews $175M warehouse credit facility and reaffirms guidance

Rhea-AI Filing Summary

Better Home & Finance Holding Company reported that it has successfully amended and renewed a $175 million warehouse credit facility with a leading global banking institution. This type of facility is commonly used to fund the company’s loan origination activities before those loans are sold or securitized, helping support ongoing lending operations. In the same announcement, the company re-affirmed its previously provided finance guidance, signaling that its expectations for financial performance remain unchanged based on current information.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 27, 2026

Better Home & Finance Holding Company

(Exact name of registrant as specified in its charter)

Delaware			001-40143			93-3029990
(State or other jurisdiction of incorporation or organization)			(Commission File Number)			(I.R.S. Employer Identification Number)

1 World Trade Center

285 Fulton St., 80th Floor Suite A

New York,

NY

10007

(Address of principal executive offices) (Zip Code)

(415) 523-8837

Registrant’s telephone number, including area code

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Class A common stock, par value $0.0001 per share

BETR

The Nasdaq Stock Market LLC

Warrants exercisable for one share of Class A common stock at an exercise price of $575

BETRW

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

On January 27, 2026, Better Home & Finance Holding Company (the “Company”) issued a press release announcing the successful amendment and renewal of a $175 million warehouse credit facility with a leading global banking institution and re-affirming previously provided finance guidance.

A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information in this Item 7.01, including Exhibit 99.1, shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01     Financial Statements and Exhibits.

(d)    Exhibits:

The following exhibits are filed as part of this Current Report on Form 8-K:

Exhibit						Description
99.1						Press Release, dated January 27, 2026
104						Cover Page Interactive Data File (formatted as Inline XBRL)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			BETTER HOME & FINANCE HOLDING COMPANY
Date: November 13, 2025			By:			/s/ Kevin Ryan
			Name:			Kevin Ryan
			Title:			Chief Financial Officer

FAQ

What financing action did Better Home & Finance (BETR) disclose in this 8-K?

The company announced the successful amendment and renewal of a $175 million warehouse credit facility with a leading global banking institution.

Did Better Home & Finance (BETR) change its financial guidance in this update?

No, the company re-affirmed its previously provided finance guidance, indicating its outlook remains consistent with earlier expectations.

What type of credit facility did Better Home & Finance (BETR) renew?

Better Home & Finance renewed a $175 million warehouse credit facility, which is typically used to finance loans before they are sold or securitized.

Which item of the 8-K covers Better Home & Finance’s warehouse facility announcement?

The amendment and renewal of the warehouse credit facility and the reaffirmation of guidance are discussed under Item 7.01 Regulation FD Disclosure.

What exhibit is attached to the Better Home & Finance (BETR) 8-K related to this announcement?

The filing includes Exhibit 99.1, a press release dated January 27, 2026, describing the warehouse credit facility amendment and guidance reaffirmation.