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

Rhea-AI Filing Summary

Talwar Harit, a director of Better Home & Finance Holding Co (ticker BETR), reported multiple restricted stock unit grants and an acquisition on Form 4. The filing shows an acquisition on 08/07/2025 of 25,698 shares of Class A common stock at a reported price of $0. The same filing records a grant/acquisition of 20,191 restricted stock units for Class A common stock on 08/07/2025, which correspond to 20,191 Class A shares. The Form also documents recurring tranches of 3,094 restricted stock units tied to Class B common stock with listed vesting tranches (02/01/2025, 05/01/2025, 08/01/2025) and describes conversion mechanics from Class B to Class A. Certain restricted stock units are noted as vested immediately upon grant and ownership is reported as direct.

Positive

• Acquisition of 25,698 Class A shares reported on 08/07/2025 at a stated price of $0
• Grant/acquisition of 20,191 Class A RSUs reported on 08/07/2025 corresponding to 20,191 Class A shares
• Multiple 3,094 RSU tranches tied to Class B with explicit vesting schedule and conversion mechanics disclosed

Negative

• None.

Insights

Financial Analyst

Insider grants and vesting increased direct holdings; transactions are non-cash compensation rather than market purchases.

The Form 4 discloses that Director Talwar Harit received non-cash equity awards and vested restricted stock units that increase reported direct ownership. Specifically, the filing records an acquisition of 25,698 Class A shares and a grant of 20,191 Class A RSUs on 08/07/2025, plus multiple 3,094-unit tranches tied to Class B stock on earlier dates. These entries primarily reflect compensation/vesting events (price reported as $0) and the filing explains conversion terms for Class B shares into Class A shares. For investors, these are routine insider compensation disclosures and do not, by themselves, provide revenue or earnings signals.

Corporate Governance Expert

Disclosure details vesting schedules and Class B conversion triggers; governance disclosure is specific and transparent.

The filing details vesting mechanics and conversion rights: certain RSUs vested immediately upon grant, other RSUs follow quarterly or scheduled vesting dates, and each Class B share is convertible into one Class A share with enumerated automatic conversion triggers. The Form names the reporting person, provides address information, and reports ownership form as direct. The specificity of vesting dates and conversion conditions supports clear governance disclosure and enables stakeholders to track dilution and insider alignment over time.

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^*

Talwar Harit

(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		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
02/01/2025

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	08/07/2025		A		25,698(1)	A	$0	25,698	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 B)	(2)	02/01/2025		M			3,094	(3)	(3)	Class B Common Stock	3,094	$0	64,991	D
Class B Common Stock	(4)	02/01/2025		M		3,094		(4)	(4)	Class A Common Stock	3,094	$0	34,038	D
Restricted Stock Units (Class B)	(2)	05/01/2025		M			3,094	(3)	(3)	Class B Common Stock	3,094	$0	61,897	D
Class B Common Stock	(4)	05/01/2025		M		3,094		(4)	(4)	Class A Common Stock	3,094	$0	37,132	D
Restricted Stock Units (Class B)	(2)	08/01/2025		M			3,094	(3)	(3)	Class B Common Stock	3,094	$0	58,803	D
Class B Common Stock	(4)	08/01/2025		M		3,094		(4)	(4)	Class A Common Stock	3,094	$0	40,226	D
Restricted Stock Units (Class A)	(5)	08/07/2025		A		20,191		(6)	(6)	Class A Common Stock	20,191	$0	20,191	D

Explanation of Responses:

1. Represents a grant of restricted stock units, each of which represents a contingent right to receive a share of the Issuer's Class A common stock. The restricted stock units vested immediately upon grant.

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

3. The restricted stock units were granted on May 23, 2022. 1/16ths of the restricted stock units will vest on the first day of each three (3)-month period following May 1, 2022, with the first such quarterly vesting date to occur on August 1, 2022, subject to the Reporting Person's continuous service on the Board of Directors of the Issuer through each such date.

4. 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.

5. Each restricted stock unit represents a contingent right to receive on share of the Issuer's Class A common stock.

6. The restricted stock units will vest on the business day immediately preceding the Issuer's next annual meeting of stockholders.

Remarks:

	/s/ Andrew Holt as attorney-in-fact	08/11/2025
	** 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 Talwar Harit report on the Form 4 for BETR?

The Form 4 reports an acquisition of 25,698 Class A shares on 08/07/2025, a grant of 20,191 Class A RSUs on 08/07/2025, and multiple 3,094 Class B RSU tranches with vesting dates shown as 02/01/2025, 05/01/2025, and 08/01/2025.

Did any restricted stock units vest immediately according to the filing?

Yes. The filing states that certain restricted stock units vested immediately upon grant, and other RSUs follow scheduled quarterly or annual vesting dates as described in the explanation.

How many Class A RSUs were reported on 08/07/2025?

The filing shows 20,191 restricted stock units (Class A) reported on 08/07/2025, corresponding to 20,191 Class A shares.

Are Class B shares convertible to Class A shares?

Yes. The filing explains that each Class B share is convertible at the holder's option into one Class A share and lists automatic conversion triggers, including certain transfers and specified ownership thresholds.

How is the reported ownership held according to the Form 4?

Ownership arising from the reported transactions is shown as direct (D) for the reporting person.