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

Rhea-AI Filing Summary

Better Home & Finance Holding Co: This Form 4 shows Paula Tuffin, the company's General Counsel and Chief Compliance Officer, reported securities transactions dated 09/05/2025. The filing records the acquisition of 7,935 shares of Class A Common Stock at a price of $0, increasing her beneficial ownership of Class A Common Stock to 19,700 shares. The report also lists 7,935 shares of Class B Common Stock converted or treated as derivative shares, with 7,935 underlying Class A shares noted. The form includes an explanatory note that each Class B share is convertible into one Class A share and describes automatic conversion triggers. The Form 4 was signed by an attorney-in-fact on 09/09/2025.

Positive

• Insider acquisition disclosed: Reporting officer acquired 7,935 Class A Common Stock shares, increasing transparency of insider holdings
• Clear conversion terms provided: Filing explains Class B conversion mechanics and automatic conversion triggers

Negative

• Transaction price reported as $0: The acquisition at no cash price may reflect conversion or grant but lacks contextual detail in the filing
• Form signed by attorney-in-fact: Filing was executed by an attorney-in-fact rather than a direct signature by the reporting person

Insights

Securities/Equity Analyst

TL;DR: Insider General Counsel acquired 7,935 Class A shares at $0, raising reported beneficial Class A ownership to 19,700 shares.

The transaction appears to reflect conversion or internal transfer activity rather than a market purchase, given the reported price of $0 and parallel Class B holdings. For investors, insider accumulation can signal alignment with management, but the filing does not provide context about why the shares were issued or converted. The change in reported holdings is material to ownership disclosure but not necessarily to operational performance.

Corporate Governance Expert

TL;DR: An officer reported a non-cash acquisition and conversion mechanics were disclosed for Class B shares.

The filer identified as an officer (General Counsel and CCO) and disclosed both Class A and Class B positions. The explanatory note clearly states conversion rights and automatic conversion triggers for Class B shares, which is helpful for clarity on voting and economic exposure. The Form 4 was executed by an attorney-in-fact, which is permissible but investors may note that the filing was not personally signed by the reporting person.

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
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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)
09/05/2025

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	09/05/2025		C		7,935	A	$0	19,700	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
Class B Common Stock	(1)	09/05/2025		C			7,935	(1)	(1)	Class A Common Stock	7,935	$0	17,373	D

Explanation of Responses:

1. Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding, and (iv) following the date of the death or permanent disability of Better's founder.

Remarks:

	/s/ Andrew Holt, Attorney-in-Fact	09/09/2025
	** 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 did Paula Tuffin report on the Form 4 for BETRW?

Paula Tuffin reported the acquisition of 7,935 Class A Common Stock shares dated 09/05/2025, with beneficial ownership of Class A listed as 19,700 shares following the transaction.

At what price were the shares acquired in the Form 4 filing?

The filing reports the Class A Common Stock shares were acquired at a price of $0.

What information is given about Class B Common Stock conversion?

The filing states each Class B share is convertible into one Class A share at the reporting person’s option and lists conditions for automatic conversion, including transfers, certain ownership thresholds, votes, and the founder’s death or permanent disability.

Who signed the Form 4 and when was it signed?

The Form 4 was signed by /s/ Andrew Holt, Attorney-in-Fact on 09/09/2025.

What is Paula Tuffin’s role at Better Home & Finance?

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