Every 8-K that Better Home & Finance Holding Company Warrant (BETRW) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow BETRW and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full BETRW filings page.
Better Home & Finance Holding Co. reported preliminary, unaudited third-quarter 2026 loan volume of $1.395 billion, within its prior guidance range of $1.375 billion to $1.525 billion.
Total net revenues were $45.1 million, up 8.6% year over year but down 17.5% sequentially, and below guidance of $49.0 million to $52.0 million. Net loss was $33.1 million to $34.1 million, versus $39.1 million in Q3 2025 and $30.6 million in Q2 2026. Adjusted EBITDA loss was $24.8 million to $25.8 million, versus guidance of $15.0 million to $18.0 million. The estimate includes approximately $8.0 million in proxy-related legal, public-relations and other expenses; excluding them, the company said Adjusted EBITDA loss would have been approximately $17.8 million, within guidance. The results remain preliminary and unaudited.
Better reported $81 million in cash and cash equivalents, $9 million in restricted cash and $75 million of unencumbered tangible equity in its UK Bank. The UK Bank sale is expected to close in Q1 2027 and generate an additional $65 million of cash for the company. Better stated a goal of Adjusted EBITDA breakeven by year-end, assuming the current rate environment and expense savings.
Better Home & Finance Holding Company reported that Nasdaq found it out of compliance with two corporate governance standards: a majority-independent board and an audit committee with at least 3 independent members. The company had notified Nasdaq on October 5, 2026, after resignations and removals from its board.
Nasdaq's October 13, 2026, notice gives the company until November 27, 2026, or 45 calendar days, to submit a plan to regain compliance. If Nasdaq accepts the plan, it may grant up to 180 calendar days from the notice date to evidence compliance. The company intends to submit a plan. The notice has no immediate effect on the listing of its Class A common stock or warrants; failure to regain compliance could result in a delisting determination.
Better Home & Finance Holding Company (BETR) reported preliminary third-quarter 2026 Loan Volume of $1.39 billion, up 15% from $1.21 billion a year earlier. The result was within its previously announced $1.375 billion to $1.525 billion guidance range, toward the lower end. Tinman AI platform volume was $790 million, up 64% from $483 million and approximately 57% of total Loan Volume, versus approximately 40% in Q3 2025. The company said industry volume declined 37% in the same period.
The first Better 2.0 weekly scorecard reports $13.2 million in annualized expense reductions implemented and another $51 million in targeted annualized reductions subject to execution. The company states the implemented and planned initiatives represent approximately $5.35 million monthly, or $64.2 million annualized, once fully implemented; these are annualized reductions, not savings already realized. It plans weekly scorecard updates until Adjusted EBITDA breakeven and expects its stock buyback program to be buying stock this week.
Better Home & Finance Holding Co (BETR) received notice that it does not meet several Nasdaq governance requirements: a majority of its Board must be independent; its audit committee must have at least three independent members; its compensation committee must have at least two independent members; and independent directors must oversee director nominations.
Nasdaq gave the company 45 calendar days to submit a plan to regain compliance. The company intends to submit a plan, and the notice has no immediate effect on the listing of its Class A common stock or warrants. If the company fails to regain compliance, Nasdaq could determine to delist its securities; the company said there is no assurance Nasdaq will accept its plan or that it will regain compliance.
Better Home & Finance Holding Company (BETR) reported board changes after Vishal Garg and other consent-solicitation participants delivered stockholder consents representing a majority of the voting power of the company’s common stock outstanding as of August 21, 2026. The consents, in part, removed without cause Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar, effective September 30, 2026. Hugh Frater notified the company on October 1, 2026, of his decision to resign from the Board, effective upon the Removal.
On October 5, 2026, Garg, as the sole remaining director, appointed Bing Gordon, Steven Sarracino, Paula Tuffin and Nicholas Calamari to fill vacancies. Tuffin is the company’s General Counsel, Chief Compliance Officer and Secretary; Calamari is an employee. The Board removed Lewis as Interim CEO effective immediately and began identifying a successor. Gordon’s consulting agreement includes a grant of 20,000 restricted stock units on February 11, 2026, with an aggregate grant date fair value of $582,200; the units vest quarterly over four years.
Better Home & Finance Holding Company (BETR) amended its Rights Agreement with Computershare Trust Company, N.A., as rights agent, effective October 6, 2026. The amendment moved expiration of the rights to purchase Class A, Class B and Class C common stock from the date of the company’s 2027 annual meeting to the close of business on October 6, 2026. At that time, all outstanding rights expired and were no longer exercisable, and the Rights Agreement terminated.
No Series A Junior Participating Preferred Stock was issued or outstanding when the amendment was entered into. On October 7, 2026, the company filed a Certificate of Elimination, returning the shares designated as that preferred stock to authorized but unissued and undesignated preferred stock.
Better Home & Finance Holding Co. (BETR) stockholders delivered written consents on September 30, 2026, representing a majority of the voting power outstanding as of August 21, 2026. The consents removed five directors without cause, effective immediately: Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar. On October 1, Hugh Frater notified the company of his resignation from the Board, effective upon the removal.
On October 5, Vishal Garg, as the sole remaining director, appointed Bing Gordon, Steven Sarracino, Paula Tuffin, the General Counsel, Chief Compliance Officer and Secretary, and employee Nicholas Calamari to fill vacancies. The Board also removed Daniel Lewis as Interim CEO, effective immediately, and began a process to identify a successor Interim CEO. Final results showed 13,638,803 consents and 24,594 against the bylaw proposal; each director-removal proposal received 13,633,243 consents and 30,154 against, with zero abstentions.
Better Home & Finance Holding Company (BETR) said Michael Farello resigned from its Board of Directors effective September 28, 2026.
Better Home & Finance Holding Company (BETR) reports that it has entered into mutual separation agreements with two senior leaders: Chad M. Smith, President of Better Mortgage Corporation, and Barry Feierstein, the Company’s Chief Operating Officer.
Under the Smith Separation Agreement dated September 1, 2026, Mr. Smith’s employment ended by mutual agreement effective September 2, 2026. Subject to the agreement’s conditions, he will receive a $416,666 lump-sum cash payment, representing five months of base salary, six months of COBRA premium payments, and accelerated vesting of 10,000 restricted stock units that would otherwise have been forfeited. The agreement includes mutual releases, confidentiality, non‑disparagement, and post‑employment cooperation obligations, while his existing indemnification agreement remains in effect. A similar Mutual Separation and General Release Agreement with Mr. Feierstein was executed on September 3, 2026 and is effective September 4, 2026, with both agreements to be filed as exhibits to the Form 10‑Q for the quarter ending September 30, 2026.
Better Home & Finance Holding Co (BETR) reports that on August 27, 2026, director Hugh Frater informed the company he intends to resign from the Board of Directors if Vishal Garg, the former Chief Executive Officer and current director, assumes any executive role with the company, including a director position with executive responsibilities.
Better Home & Finance Holding Company (BETR) adopted a limited-duration shareholder rights plan effective August 20, 2026, and declared a dividend of one right for each outstanding share of Class A, B and C common stock, payable to stockholders of record on August 31, 2026.
Under the Rights Agreement, if any person or group becomes the beneficial owner of 15% or more of any class of common stock or of the company’s voting power without board approval, other holders can purchase common stock with a market value of two times the $65.00 purchase price, diluting the acquiring party. The board may redeem the rights for $0.001 per right, and the rights generally expire at the company’s 2027 annual meeting of stockholders unless earlier redeemed, exchanged or terminated.
Better Home & Finance Holding Company reported second quarter 2026 Loan Volume of $1.67 billion, up 38% year over year, and Total Net Revenues of $54.7 million, up 28%. Platform Loan Volume reached $912 million, or 55% of Loan Volume, with 5,724 total loans completed. By product, purchase loans were $824 million (49% of volume), refinancings $549 million (33%), and HELOCs $294 million (18%).
The company recorded a Q2 2026 net loss of $30.6 million versus a loss of $36.3 million a year earlier, and an Adjusted EBITDA loss of $14.0 million versus $22.9 million, including a $6.5 million benefit from a TRID reserve release. Cash and cash equivalents were $102.3 million with restricted cash of $9.6 million. Results reflect the reclassification of the U.K.-based bank to discontinued operations.
Operationally, Home Equity Loan Volume grew 45% quarter over quarter and platform loan volume increased 11%. Daniel Lewis, a board member, was appointed Interim CEO effective August 3, 2026, while founder Vishal Garg remains on the board. The company increased targeted annualized cost reductions to exceed $45 million by year-end 2026 and guided Q3 2026 Loan Volume of $1.375–$1.525 billion, Total Net Revenues of $49.0–$52.0 million, and Adjusted EBITDA of $(18.0)–$(15.0) million.
Better Home & Finance Holding Company appointed Board member Daniel Lewis as Interim Chief Executive Officer, effective August 3, 2026, as founder Vishal Garg stepped down from the CEO role but remains on the Board to support the transition. The Board expects the overwhelming majority of Lewis’s compensation to be tied to shareholder returns and long-term operating performance.
The company is sharpening its strategy around a platform model where partners handle customer acquisition while Better focuses on manufacturing mortgages efficiently on its Tinman® AI platform. Management expects annualized cost reductions to exceed $45 million by year-end, above the previously announced $25 million target, and continues to pursue a sale of its UK bank subsidiary, Birmingham Bank. The second-quarter 2026 earnings release and investor call have been moved to after market close on August 6, 2026.
Preliminary second-quarter 2026 results include Funded Loan Volume of $1.67 billion, up 38% year over year, revenue of $54.7 million, up 28% year over year, a net loss of $30.6 million, and Adjusted EBITDA of $(13,988) thousand, which includes a $6.5 million benefit from a TRID reserve release. These figures are estimates and remain subject to completion of normal closing procedures.
Better Home & Finance Holding Company amended its broker agreement with Intuit Credit Karma on July 28, 2026. Under the expanded partnership, Better will offer Home Equity Line of Credit (HELOC) products to Intuit Credit Karma’s U.S. consumer base of 140 million users under the “Credit Karma Home Loans powered by Better” brand.
These HELOCs will be offered alongside the Rate Term Refinance and Cash out Refinance products already available through the relationship. Better states that, once launched, HELOC offerings are expected to contribute meaningfully to its loan volume and revenue growth over the following several quarters, while noting that these expectations are forward-looking and subject to risks described in its SEC filings.
Better Home & Finance Holding Company reported that on July 27, 2026, director David Barse resigned from its board, effective immediately. The company states that his decision was not due to any disagreements regarding operations, policies, or practices.
On the same date, the board elected Daniel Lewis as a director, effective immediately, to serve until the 2027 annual meeting of stockholders and until a successor is duly elected and qualified or earlier departure. Committee assignments for Lewis have not yet been determined.
Lewis will participate in the standard compensation program for non-employee directors described in the April 30, 2026 proxy statement and is expected to enter into the company’s standard indemnification agreement. The company reports no family relationships or related-party transactions involving Lewis requiring disclosure.
Better Home & Finance Holding Company reported the results of its June 10, 2026 Annual Meeting of Stockholders. Holders of a majority of the voting power of Class A and Class B common stock were present or represented by proxy.
All eight director nominees, including Harit Talwar, Vishal Garg and others, were elected to serve until the next annual meeting and until successors are elected and qualified. Stockholders also ratified the appointment of BDO USA, P.C. as the independent registered public accounting firm for the year ending December 31, 2026, with 20,575,834 votes for, 37,151 against and 18,591 abstentions.
Better Home & Finance Holding Company reported rapid growth but continued losses for Q1 2026. Loan volume reached $1.64 billion, up 89% year over year and above guidance, while total net revenues from continuing operations rose 52% to about $48 million.
The company posted a net loss of $70.3 million, larger than the $50.6 million loss a year earlier, though Adjusted EBITDA loss improved to $18.8 million from $36.0 million. Platform loan volume via the Tinman AI platform increased 404% to $821 million, representing half of total loan volume.
Better ended the quarter with roughly $136 million in cash, restricted cash and net assets held for sale, announced $25 million of planned annualized cost reductions, expanded warehouse capacity to $850 million, and completed a $69 million underwritten equity offering. For Q2 2026, it guides to loan volume of $1.575–$1.725 billion, total net revenues of $53.0–$56.0 million, Adjusted EBITDA loss of $12.5–$14.0 million, and reaffirms an Adjusted EBITDA breakeven target by the end of Q3 2026.
Better Home & Finance Holding Company elected Hugh R. Frater to its board of directors and to the audit committee, effective March 23, 2026. The board determined he is independent under Nasdaq rules. He will serve until the 2026 annual meeting and until a successor is elected and qualified.
Compensation under the company’s Director Compensation Policy includes an annual cash retainer of $150,000 and an annual equity retainer of restricted stock units valued at $150,000. For audit committee service, he will receive an additional annual cash retainer of $7,500 and additional restricted stock units valued at $7,500, with cash paid quarterly and equity vesting before the annual meeting, all prorated from his start date.
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 Company entered a Securities Purchase Agreement with Framework Ventures IV L.P. and issued a warrant to buy up to 211,312 shares of Class A common stock. The warrant was sold for $0.01 and is exercisable in two stages tied to Framework’s ownership level.
The first 105,656 shares are exercisable at $27.00 per share once Framework’s beneficial ownership exceeds 4.99%. The remaining 105,656 shares become exercisable when the first portion is fully purchased and ownership exceeds 8.98%, at the greater of $27.00 or 90% of the 30‑day volume‑weighted average price. The warrant expires on February 17, 2027, and the company agreed in a separate Registration Rights Agreement to register the resale of the warrant shares after closing conditions are met.
Better Home & Finance Holding Company filed an amended current report to correct the signature page, updating the date and identifying the proper signing officer. The company also furnished details of a press release announcing the successful amendment and renewal of a $175 million warehouse credit facility with a leading global banking institution, and reaffirmed previously provided finance guidance.
The press release is furnished under Regulation FD, meaning it is provided for informational purposes and is not treated as filed for liability purposes under the Exchange Act or automatically incorporated into other SEC filings.
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.
Better Home & Finance Holding Company amended its prior current report to disclose committee assignments and related director compensation. On August 29, 2025 the board appointed David Barse to the Corporate Governance and Nominations Committee and appointed Bhaskar Menon as Chair of the Audit Committee and as a member of the Compensation Committee. The filing states the company will pay Mr. Barse an additional $7,500 annual cash retainer and $7,500 in RSUs for Nominations Committee service, and Mr. Menon an additional $25,000 annual cash retainer and $25,000 in RSUs as Audit Committee Chair plus $7,500 cash and $7,500 in RSUs for Compensation Committee service.