[Form 4] Better Home & Finance Holding Company Warrant Insider Trading Activity

Rhea-AI Filing Summary

Garg Vishal, identified as Chief Executive Officer, Director and a >10% owner of Better Home & Finance Holding Co (ticker shown as BETR), reported transactions dated 09/01/2025. The filing shows a grant of 3,167 restricted stock units (RSUs) with $0 per-unit price and a vesting schedule described in the filing. On the same date the filing discloses a disposition of 1,752 shares at $22.63 per share. The non-derivative lines report beneficial ownership figures of 8,828 shares following the RSU award and 7,076 shares following the sale; the derivative table shows 3,167 RSUs underlying 3,167 shares and total beneficial ownership of 22,167 shares after the reported transactions. The filing is signed by an attorney-in-fact.

Positive

• Timely and detailed disclosure of insider transactions including grant, sale and vesting schedule
• Clear vesting timetable for the 3,167 restricted stock units, specifying dates and allocation

Negative

• Insider sale of 1,752 shares at $22.63, which reduces direct holdings reported on the form
• Filing does not state whether the sale was pursuant to a Rule 10b5-1 plan or other pre-arranged program

Insights

Financial Analyst

TL;DR: Insider received RSUs and executed a share sale the same day; overall disclosure does not indicate a material change to control.

The report documents an award of 3,167 restricted stock units to the CEO/Director and a contemporaneous sale of 1,752 shares at $22.63. The RSUs are priced at $0 because they are contingent rights to receive shares on vesting; the filing provides a vesting timetable spanning July 1, 2025 through March 15, 2026. Reported beneficial ownership figures differ by line: non-derivative balances show 8,828 then 7,076 shares, while inclusion of underlying RSUs yields 22,167 shares beneficially owned. For investors, the filing primarily provides governance and compensation transparency rather than evidence of a change in strategic direction or control; the transactions appear to be routine equity compensation and a partial sale.

Corporate Governance Expert

TL;DR: The Form 4 supplies clear disclosure of compensation-related RSUs and a separate sale, with a detailed vesting schedule—standard governance reporting.

The filing identifies the reporting person as CEO, Director and >10% owner and includes both grant and sale activity dated the same day. The RSU vesting schedule is explicit: 3/12ths vest July 1, 2025; 8/12ths vest monthly August 1, 2025–March 1, 2026; final 1/12th on March 15, 2026. The presence of an attorney-in-fact signature is noted. From a governance perspective, timely disclosure of compensation grants and open-market sales meets Section 16 transparency expectations. There is no mention of any plan-based affirmative defense (Rule 10b5-1) in the filing.

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Garg Vishal

(Last) (First) (Middle)

C/O BETTER HOME & FINANCE HOLDING CO

53 BEACH STREET, 3RD FLOOR

(Street)

NEW YORK NY 10013

(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)

X	Director	X	10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Executive Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/01/2025

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	09/01/2025		M		3,167	A	$0	8,828	D
Class A Common Stock	09/01/2025		F		1,752	D	$22.63	7,076	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)	09/01/2025		M			3,167	(2)	(2)	Class A Common Stock	3,167	$0	22,167	D

Explanation of Responses:

1. Each restricted stock unit represents a contingent right to receive one share of 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	09/03/2025
	** 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

Who filed the Form 4 and what is their role at the company (BETR/BETRW)?

Garg Vishal filed the Form 4; he is listed as Chief Executive Officer, a Director and a >10% owner of Better Home & Finance Holding Co (ticker shown as BETR in the filing).

What transactions did the insider report on 09/01/2025?

The filing reports an award of 3,167 restricted stock units (RSUs) and a disposition of 1,752 shares sold at $22.63 per share, both dated 09/01/2025.

How many shares does the filing show as beneficially owned after the transactions?

Non-derivative lines show 8,828 shares after the RSU award and 7,076 shares after the sale; inclusion of the RSU underlying shares shows total beneficial ownership of 22,167 shares in the derivative table.

What is the vesting schedule for the restricted stock units reported?

The RSUs vest as follows: 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.

Was the Form 4 signed by the reporting person?

The filing is signed by an attorney-in-fact (Andrew Holt) on 09/03/2025; the document includes the reporting person signature block.