Better Home & Finance (BETR) CAO Calamari exercises RSUs and disposes Class A shares

Rhea-AI Filing Summary

Better Home & Finance Holding Co executive Nicholas J. Calamari reported equity transactions in Class A shares and restricted stock units. On February 1, 2026, he exercised 3,166 Restricted Stock Units (Class A) at $0 per share, receiving the same number of Class A Common Stock shares.

On the same date, he disposed of 1,373 shares of Class A Common Stock at $30.31 per share under transaction code F. After these transactions, he directly owned 17,874 Class A Common Stock shares and 6,334 Restricted Stock Units (Class A).

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Nicholas J. Calamari

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

1 WORLD TRADE CENTER, 80TH FLOOR SUITE A

(Street)

NEW YORK NY 10007

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Better Home & Finance Holding Co [ BETR ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CAO and Senior Counsel

3. Date of Earliest Transaction (Month/Day/Year)
02/01/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	02/01/2026		M		3,166	A	$0	19,247	D
Class A Common Stock	02/01/2026		F		1,373	D	$30.31	17,874	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units (Class A)	(1)	02/01/2026		M			3,166	(2)	(2)	Class A Common Stock	3,166	$0	6,334	D

Explanation of Responses:

1. Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

2. The restricted stock units will vest with respect to (i) 3/12ths of such restricted stock units on July 1, 2025, (ii) 8/12ths of such restricted stock units in equal monthly installments beginning on August 1, 2025 through March 1, 2026, and (iii) the remaining 1/12th of such restricted stock units on March 15, 2026.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	02/03/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Nicholas J. Calamari report at Better Home & Finance (BETR)?

Nicholas J. Calamari reported exercising 3,166 Restricted Stock Units (Class A) into Class A Common Stock at $0 on February 1, 2026. He also reported a disposition of 1,373 Class A Common Stock shares at $30.31 per share on the same date.

How many Better Home & Finance (BETR) shares does Nicholas J. Calamari own after this Form 4?

After the reported transactions, Nicholas J. Calamari directly owned 17,874 shares of Better Home & Finance Class A Common Stock. He also held 6,334 Restricted Stock Units (Class A), each representing a contingent right to receive one Class A share in the future.

What do the 3,166 Restricted Stock Units mean for BETR’s Nicholas J. Calamari?

Each of the 3,166 Restricted Stock Units represents a contingent right to receive one share of Better Home & Finance Class A Common Stock. These RSUs vest in scheduled installments between July 1, 2025 and March 15, 2026, as detailed in the vesting footnote.

What is the significance of transaction code M on the BETR Form 4?

Transaction code M on the Form 4 indicates a transaction related to derivative securities, here the Restricted Stock Units (Class A). On February 1, 2026, 3,166 RSUs were exercised at $0 into 3,166 Class A Common Stock shares held directly by Nicholas J. Calamari.

At what price were Better Home & Finance (BETR) shares disposed of in this filing?

The Form 4 shows a disposition of 1,373 shares of Better Home & Finance Class A Common Stock at a price of $30.31 per share on February 1, 2026. This transaction is coded F and is reported as directly owned by Nicholas J. Calamari.

How do the Restricted Stock Units for BETR’s Nicholas J. Calamari vest over time?

The Restricted Stock Units vest in three phases: 3/12ths on July 1, 2025; 8/12ths in equal monthly installments from August 1, 2025 through March 1, 2026; and the remaining 1/12th on March 15, 2026, subject to the award’s terms.