Vishal Garg (NASDAQ: BETR) details 13.5% stake and $1.625M buy plan

Rhea-AI Filing Summary

Better Home & Finance Holding Company filed Amendment No. 3 to a Schedule 13D updating the ownership position of Vishal Garg in its Class A common stock. Garg is reported to beneficially own 2,029,224 shares, representing 13.5% of the Class A shares outstanding based on 13,086,244 shares as of May 1, 2026.

The filing notes that the company completed an underwritten public offering of 2,156,250 Class A shares on April 9, 2026, which reduced Garg’s beneficial ownership percentage by about 2.5% due to the larger share base. His stake includes directly held Class A shares, currently exercisable options for Class B shares, and Class B shares convertible into Class A, along with interests held through 1/0 Real Estate, LLC and The 718 4Ever Trust I.

The amendment also discloses a new Garg 2026 Trading Plan under Rule 10b5-1, allowing a broker-dealer to make periodic purchases of up to an aggregate of $1.625 million in Class A shares on Garg’s behalf. In the last 60 days, Garg purchased multiple blocks of Class A stock in the open market, including 6,583 shares at a weighted average price of $29.9992 on May 7, 2026 and 10,000 shares at a weighted average price of $35.0519 on April 8, 2026, under or related to his trading plan.

Insights

Equity ownership analyst

Amended 13D updates Vishal Garg’s 13.5% stake, new $1.625M 10b5-1 plan, and recent open-market purchases.

The amendment clarifies that Vishal Garg now beneficially owns 2,029,224 shares of Better Home & Finance Class A stock, or 13.5% of the class, based on 13,086,244 shares outstanding as of May 1, 2026. This figure includes directly held Class A shares, currently exercisable options, and Class B shares convertible into Class A, plus interests through 1/0 Real Estate, LLC and The 718 4Ever Trust I.

The filing explains that the company’s underwritten public offering of 2,156,250 Class A shares on April 9, 2026 diluted Garg’s percentage ownership by about 2.5%, even though his underlying holdings remain substantial. This change stems from the issuer’s capital-raising activity rather than sales by Garg.

Garg terminated his 2025 Rule 10b5-1 trading plan on May 21, 2026 and entered into the Garg 2026 Trading Plan on May 28, 2026, permitting a broker to buy up to $1.625 million in Class A shares on his behalf. The amendment also lists recent open-market purchases, such as 6,583 shares at a weighted average price of $29.9992 and 10,000 shares at $35.0519. These details highlight pre-arranged, rules-based accumulation rather than discretionary short-term trading; future company filings may show how fully the plan is utilized.

Key Figures

Beneficial ownership: 2,029,224 shares Ownership percentage: 13.5% Underwritten offering size: 2,156,250 shares +5 more

8 metrics

Beneficial ownership 2,029,224 shares Vishal Garg beneficial ownership of Class A common stock

Ownership percentage 13.5% Garg’s beneficial ownership of Class A shares

Underwritten offering size 2,156,250 shares Class A shares sold in offering on April 9, 2026

Trading plan capacity $1.625 million Maximum aggregate Class A purchases under Garg 2026 Trading Plan

Shares outstanding 13,086,244 shares Class A shares outstanding as of May 1, 2026

Purchase on May 7, 2026 6,583 shares at $29.9992 Open-market Class A purchase, weighted average price

Purchase on April 8, 2026 10,000 shares at $35.0519 Open-market Class A purchase, weighted average price

Trust holdings 465,517 shares Class B shares held by The 718 4Ever Trust I, convertible into Class A

Key Terms

Rule 10b5-1, underwritten public offering, beneficial ownership, trading plan, +2 more

6 terms

Rule 10b5-1 regulatory

"intended to satisfy the affirmative defense condition of Rule 10b5-1 , as amended"

Rule 10b5-1 is a regulation that allows company insiders to buy or sell their shares at predetermined times, even if they have access to non-public information. It acts like setting a schedule in advance for transactions, helping prevent accusations of unfair trading. This rule provides a way for insiders to plan trades transparently, giving investors confidence that these transactions are not based on hidden information.

underwritten public offering financial

"the Issuer consummated an underwritten public offering (the "Offering") of 2,156,250 shares"

An underwritten public offering is when a company sells new shares of its stock to the public with the help of a financial firm, called an underwriter. The underwriter agrees to buy all the shares upfront, reducing the company's risk, and then sells them to investors. This process helps companies raise money quickly and confidently from a wide range of buyers.

beneficial ownership financial

"Mr. Garg's beneficial ownership decreased by approximately 2.5%, due to the increase"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

trading plan financial

"Mr. Garg entered into a new trading plan (the "Garg 2026 Trading Plan")"

A trading plan is a written set of rules an investor follows about what to buy or sell, when to enter and exit positions, and how much risk to accept—like a travel itinerary that maps the route, stops, and budget before a trip. It matters because it helps remove emotional decisions during market swings, enforces discipline, and makes performance easier to review and improve, reducing the chance of costly impulsive moves.

Class B Common Stock financial

"shares of Class B Common Stock, which may be converted into the same number of shares"

A class B common stock is one of multiple types of a company’s ordinary shares that carries specific rights—often different voting power or dividend priority—compared with other classes. For investors it matters because those differences affect how much influence you have over company decisions, the income you might receive, and how freely the shares trade; think of it like owning a car with different keys: some keys let you start the engine and open the trunk, others only unlock the door.

weighted average price financial

"shares in multiple transactions at a weighted average price of $29.9992 per share"

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 05/29/2026 - 05:13 PM Accepted by SEC EDGAR 05/29/2026 - 05:12 PM Learn about SEC filing dates

FAQ

How much of Better Home & Finance (BETR) stock does Vishal Garg currently beneficially own?

Vishal Garg beneficially owns 2,029,224 shares of Better Home & Finance Class A common stock, representing about 13.5% of that class. This is based on 13,086,244 Class A shares outstanding as of May 1, 2026, and includes direct, option, and convertible holdings.

What caused Vishal Garg’s ownership percentage in Better Home & Finance (BETR) to decrease?

Garg’s ownership percentage fell by roughly 2.5% because Better Home & Finance completed an underwritten public offering of 2,156,250 Class A shares on April 9, 2026. The increase in total shares outstanding diluted his percentage stake without requiring him to sell shares.

What is the Garg 2026 Trading Plan disclosed for Better Home & Finance (BETR)?

The Garg 2026 Trading Plan is a Rule 10b5-1 trading arrangement allowing a broker-dealer to make periodic purchases of up to $1.625 million of Class A common stock for Garg. It is intended to satisfy the affirmative defense conditions of the amended Rule 10b5-1 insider trading framework.

What recent open-market purchases of Better Home & Finance (BETR) shares did Vishal Garg make?

In the past 60 days, Garg bought several blocks of Class A shares, including 6,583 shares at a weighted average price of $29.9992 on May 7, 2026, and 10,000 shares at a weighted average price of $35.0519 on April 8, 2026, under or related to his trading plan.

How much Better Home & Finance (BETR) stock is held through 1/0 Real Estate, LLC and The 718 4Ever Trust I?

1/0 Real Estate, LLC beneficially owns 130,455 Class B shares, convertible into the same number of Class A shares, representing 1.0% of Class A. The 718 4Ever Trust I holds 465,517 Class B shares, similarly convertible, representing 3.4% of outstanding Class A stock.

What share count did Better Home & Finance (BETR) report as outstanding for its Class A stock?

Better Home & Finance reported 13,086,244 shares of Class A common stock outstanding as of May 1, 2026. This figure, disclosed in its Form 10-Q filed on May 11, 2026, is used in the Schedule 13D amendment to calculate beneficial ownership percentages.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 3)

Better Home & Finance Holding Company

(Name of Issuer)

Class A common stock, par value $0.0001 per share

(Title of Class of Securities)

08774B508

(CUSIP Number)

Vishal Garg
1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A
New York, NY, 10007
415-523-8837

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

04/09/2026

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

schemaVersion:

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

Vishal Garg

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 2,029,224.00
8	Shared Voting Power
9	Sole Dispositive Power 2,029,224.00
10	Shared Dispositive Power

11

Aggregate amount beneficially owned by each reporting person

2,029,224.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

13.5 %

14

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes (1) 118,260 shares of Class A Common Stock directly held by Mr. Garg; and (2) (a) 927,855 shares of Class A Common Stock directly held by Mr. Garg that may be obtained upon the conversion of 927,855 shares of Class B Common Stock, (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock directly held by Mr. Garg; (3) 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein; and (4) 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,086,244 shares of Class A Common Stock outstanding as of May 1, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission (the "SEC") on May 11, 2026.

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

1/0 Real Estate, LLC

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 130,455.00
8	Shared Voting Power
9	Sole Dispositive Power 130,455.00
10	Shared Dispositive Power

11

Aggregate amount beneficially owned by each reporting person

130,455.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

1.0 %

14

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,086,244 shares of Class A Common Stock outstanding as of May 1, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the SEC on May 11, 2026.

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

1/0 Real Estate, LLC

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 130,455.00
8	Shared Voting Power
9	Sole Dispositive Power 130,455.00
10	Shared Dispositive Power

11

Aggregate amount beneficially owned by each reporting person

130,455.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

1.0 %

14

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,086,244 shares of Class A Common Stock outstanding as of May 1, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the SEC on May 11, 2026.

SCHEDULE 13D

CUSIP Number(s): 08774B508

1

Name of reporting person

The 718 4Ever Trust I

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 465,517.00
8	Shared Voting Power
9	Sole Dispositive Power 465,517.00
10	Shared Dispositive Power

11

Aggregate amount beneficially owned by each reporting person

465,517.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

3.4 %

14

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person:

Note to Row 7, 9 and 11: Includes 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,086,244 shares of Class A Common Stock outstanding as of May 1, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the SEC on May 11, 2026.

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Class A common stock, par value $0.0001 per share
(b)	Name of Issuer: Better Home & Finance Holding Company
(c)	Address of Issuer's Principal Executive Offices: 1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A, New York, NEW YORK , 10007.
Item 1 Comment: This Amendment No.3 ("Amendment No. 3") amends and supplements the Schedule 13D filed on September 7, 2021 (the "Original Schedule 13D", together with Amendment No. 1, Amendment No. 2 and Amendment No. 3, the "Schedule 13D") relating to shares of Class A common stock, par value $0.0001 per share (the "Class A Common Stock"), of Better Home & Finance Holding Company, a Delaware corporation (the "Issuer"). All capitalized terms contained herein but not otherwise defined shall have the meanings ascribed to such terms in the Schedule 13D.
Item 4.	Purpose of Transaction
	Item 4 of the Schedule 13D is hereby amended and supplemented by adding the following at the end of Item 4 under the heading "10b5-1 Trading Plan": On May 21, 2026, Mr. Garg terminated the Garg 2025 Trading Plan. On May 28, 2026, Mr. Garg entered into a new trading plan (the "Garg 2026 Trading Plan") intended to satisfy the affirmative defense condition of Rule 10b5-1 under the Securities Exchange Act of 1934, as amended. Pursuant to the Garg 2026 Trading Plan, a broker dealer may make periodic purchases of up to an aggregate of $1.625 million of shares of Class A Common Stock on behalf of Mr. Garg. The description of the Garg 2026 Trading Plan does not purport to be complete and is qualified in its entirety by the text of the Garg 2026 Trading Plan. The Garg 2026 Trading Plan was entered into with the same broker dealer and on substantially the same form as the Garg 2025 Trading Plan, previously filed as Exhibit 17 to the Schedule 13D, which form is incorporated herein by reference.
Item 5.	Interest in Securities of the Issuer
(a)	Each of Item 5(a) and 5(b) is hereby amended, restated and supplemented in its entirety with the following information: As previously disclosed by the Issuer, on April 9, 2026, the Issuer consummated an underwritten public offering (the "Offering") of 2,156,250 shares of its Class A Common Stock. As a result of the Offering, Mr. Garg's beneficial ownership decreased by approximately 2.5%, due to the increase in the number of outstanding shares of Class A Common Stock resulting from the Offering. Mr. Garg has beneficial ownership of (a) 118,260 shares of Class A Common Stock, (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock, and (c) 1,523,827 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 13.5% of outstanding Class A Common Stock, based on 13,086,244 shares of Class A Common Stock outstanding as of May 1, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the SEC on May 11, 2026. 1/0 Real Estate, LLC has beneficial ownership of 130,455 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 1.0% of the outstanding Class A Common Stock as of May 1, 2026. 1/0 Real Estate, LLC is wholly-owned by 1/0 Holdco, LLC. As a result, 1/0 Holdco, LLC has beneficial ownership of the Class A Common Stock described in the immediately preceding paragraph. Mr. Garg is the controlling member of 1/0 Holdco, LLC. The 718 4Ever Trust I has beneficial ownership of 465,517 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 3.4% of outstanding Class A Common Stock. The percentage of the Class A Common Stock and the aggregate outstanding Common Stock is based upon the share information described in the second paragraph under Item 5. Mr. Garg has the sole power to dispose or direct the disposition of all shares of Class A Common Stock and Class B Common Stock beneficially owned.
(b)	The information set forth in Item 5 (a) is hereby incorporated by reference to this Item 5(b), as applicable.
(c)	In the past 60 days, Mr. Garg made the following purchases of shares of Class A Common Stock in the open market pursuant to the Garg 2025 Trading Plan: (1) 6,583 shares in multiple transactions at a weitghted average price of $29.9992 per share on May 7, 2026; (2) 15,600 shares in multiple transactions at a weighted average price of $24.8710 per share on May 18, 2026; (3) 15,600 shares in multiple transactions at a weighted average price of $24.9996 per share on May 20, 2026; and (4) 15,600 shares in multiple transactions at a weighted average price of $24.8927 per share on May 21, 2026. In addition to the foregoing, Mr. Garg also purchased 10,000 shares of Class A Common Stock in the open market in multiple transactions at a weighted average price of $35.0519 per share on April 8, 2026. Other than as described above or otherwise in this Amendment No. 3, there were no other transactions effected in Common Stock during the past 60 days by Mr. Garg.
(d)	Not applicable.
(e)	Not applicable.
Item 6.	Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer
	Item 6 of the Schedule 13D is hereby amended and supplemented by adding the following at the end of Item 6 under the heading "Garg 2025 Trading Plan": As disclosed in Item 4 of Amendment No. 3, the Garg 2025 Trading Plan was terminated on May 21, 2026. Item 6 of the Schedule 13D is hereby amended and supplemented by adding the following: Garg 2026 Trading Plan Item 4 above summarizes certain provisions of the Garg 2026 Trading Plan and is incorporated herein by reference. The Garg 2026 Trading Plan was entered into with the same broker dealer and on substantially the same form as the Garg 2025 Trading Plan, previously filed as Exhibit 17 to the Schedule 13D. Except as set forth herein, the Reporting Persons do not have any contracts, arrangements, understandings or relationships (legal or otherwise) with any person with respect to any securities of the Issuer, including, but not limited to, any contracts, arrangements, understandings or relationships concerning the transfer or voting of such securities, finder's fees, joint ventures, loan or option arrangements, puts or calls, guarantees of profits, division of profits or losses, or the giving or withholding of proxies.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Vishal Garg

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg
Date:	05/29/2026

1/0 Real Estate, LLC

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg/Authorized Signatory
Date:	05/29/2026

1/0 Real Estate, LLC

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg/Authorized Signatory
Date:	05/29/2026

The 718 4Ever Trust I

Signature:	/s/ Vishal Garg
Name/Title:	Vishal Garg/Authorized Signatory
Date:	05/29/2026