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

Rhea-AI Filing Summary

Paula Tuffin, General Counsel and CCO of Better Home & Finance Holding Co (symbol shown as BETR), reported changes in her beneficial ownership on Form 4 for transactions dated 09/01/2025. The filing shows receipt of 3,167 restricted stock units (each convertible into one Class A share) recorded as an acquisition at $0, and a separate disposition of 1,145 Class A shares sold at $22.63 per share. Following the reported non-derivative transactions, the filing lists 12,910 and 11,765 shares as amounts beneficially owned on the two reported non-derivative lines, and 16,442 shares held indirectly by a trust. The restricted stock units vest in scheduled tranches between July 1, 2025 and March 15, 2026.

Positive

• Clear disclosure of RSU grant with explicit vesting schedule
• Sale price disclosed for disposed shares ($22.63) enhancing transparency
• Indirect holdings identified via named trust, clarifying ownership structure

Negative

• No indication of the reason for the share disposition (e.g., tax withholding or diversification) provided in the filing

Insights

Securities Analyst

TL;DR Insider received RSUs while disposing of a smaller block of Class A shares; vesting schedule creates future share delivery.

The Form 4 discloses a grant of 3,167 restricted stock units and a contemporaneous sale of 1,145 shares at $22.63. The RSUs convert one-for-one to Class A common stock and vest in defined tranches from July 1, 2025 through March 15, 2026, which will increase direct share count over time. The filing also shows 16,442 shares held indirectly via a named trust, indicating partial indirect ownership separate from the reported direct holdings. Transactions are routine compensation and portfolio management actions rather than extraordinary corporate events.

Corporate Governance Expert

TL;DR Disclosure aligns with typical officer compensation and insider reporting requirements.

The report identifies Paula Tuffin as an officer (General Counsel and CCO) and includes both equity compensation (RSUs) and an open-market or plan sale. The RSU vesting schedule is explicitly detailed, satisfying transparency expectations for insider awards. There are no indications in the filing of unusual related-party transactions or change-in-control provisions; all actions appear to be standard equity compensation and disposition reporting under Section 16.

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^*

Tuffin Paula

(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)
	General Counsel and CCO

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	12,910	D
Class A Common Stock	09/01/2025		F		1,145	D	$22.63	11,765	D
Class A Common Stock								16,442	I	By Technology Stock Holding Master Trust/Series Tuffin 2021 Trust

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

What transactions did Paula Tuffin report on Form 4 for BETRW/BETR?

The filing reports an acquisition of 3,167 restricted stock units and a disposition of 1,145 Class A shares sold at $22.63 on 09/01/2025.

How many shares will the restricted stock units convert into and when do they vest?

Each restricted stock unit represents the right to one Class A share. The RSUs vest in tranches: 3/12 on July 1, 2025; 8/12 in equal monthly installments August 1, 2025 through March 1, 2026; and 1/12 on March 15, 2026.

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

The filing lists 12,910 and 11,765 shares on the non-derivative lines and 16,442 shares held indirectly by the Technology Stock Holding Master Trust/Series Tuffin 2021 Trust.

What is Paula Tuffin's role at the issuer?

The filing identifies Paula Tuffin as an officer with the title General Counsel and CCO.

Was the Form 4 filed individually or jointly?

The form indicates it was filed by one reporting person.