Were the DFH CFO’s share disposals open-market sales?

The reported disposals were coded as “F” transactions, meaning tax-withholding dispositions. Shares totaling 3,044, 3,717, and 8,380 were withheld by the company at specified prices to satisfy tax liabilities, not sold through open-market trading.

Dream Finders (NYSE: DFH) CFO awarded stock while shares withheld for tax

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Dream Finders Homes, Inc. Senior VP and CFO Lorena Anabel Ramsay reported a mix of restricted stock awards and tax-related share withholdings in Class A common stock. On March 6, 2026, she received two grants of 41,387 and 25,867 shares at $0.00 per share as equity awards.

According to the footnotes, one restricted stock grant will vest in three equal annual installments beginning on March 6, 2027, and the other will vest in five equal annual installments beginning on the same date. Separate transactions on March 5, 6, and 8, 2026, covering 3,044, 3,717, and 8,380 shares at prices between $15.71 and $17.25 per share, were coded as “F” and described as tax-withholding dispositions, where shares were withheld to satisfy tax liabilities rather than sold in open-market trades.

After these transactions, Ramsay directly held 232,484 shares of Dream Finders Homes Class A common stock.

Insider Trade Summary

5 transactions reported

Mixed 5 txns

Insider Ramsay Lorena Anabel

Role Senior VP and CFO

Type	Security	Shares	Price	Value
Tax Withholding	Class A common stock, par value $0.01 per share	8,380	$15.71	$132K
Grant/Award	Class A common stock, par value $0.01 per share	41,387	$0.00	--
Grant/Award	Class A common stock, par value $0.01 per share	25,867	$0.00	--
Tax Withholding	Class A common stock, par value $0.01 per share	3,717	$16.40	$61K
Tax Withholding	Class A common stock, par value $0.01 per share	3,044	$17.25	$53K

Holdings After Transaction: Class A common stock, par value $0.01 per share — 232,484 shares (Direct)

Footnotes (1)

Withholding of shares upon vesting by the Company to satisfy tax liability. The restricted stock will vest in three equal annual installments beginning on March 6, 2027 and each anniversary thereof. The restricted stock will vest in five equal annual installments beginning on March 6, 2027 and each anniversary thereof.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 03/09/2026 - 06:43 PM

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^*

Ramsay Lorena Anabel

(Last)

(First)

(Middle)

14701 PHILIPS HIGHWAY

SUITE 300

(Street)

JACKSONVILLE

32256

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
Dream Finders Homes, Inc. [ DFH ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Senior VP and CFO

3. Date of Earliest Transaction (Month/Day/Year)
03/05/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Class A common stock, par value $0.01 per share	03/05/2026		F⁽¹⁾		3,044	D	$17.25	177,327	D
Class A common stock, par value $0.01 per share	03/06/2026		A		41,387⁽²⁾	A	$0	218,714	D
Class A common stock, par value $0.01 per share	03/06/2026		A		25,867⁽³⁾	A	$0	244,581	D
Class A common stock, par value $0.01 per share	03/06/2026		F⁽¹⁾		3,717	D	$16.4	240,864	D
Class A common stock, par value $0.01 per share	03/08/2026		F⁽¹⁾		8,380	D	$15.71	232,484	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Withholding of shares upon vesting by the Company to satisfy tax liability.

2. The restricted stock will vest in three equal annual installments beginning on March 6, 2027 and each anniversary thereof.

3. The restricted stock will vest in five equal annual installments beginning on March 6, 2027 and each anniversary thereof.

	/s/ Robert E. Riva by Power of Attorney	03/09/2026
	** 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.

Source: View Original Filing on SEC EDGAR

FAQ

What insider transactions did DFH CFO Lorena Anabel Ramsay report?

Lorena Anabel Ramsay reported restricted stock awards and tax-related share withholdings in Dream Finders Homes Class A common stock. She received two stock grants on March 6, 2026, and had separate tax-withholding dispositions on March 5, 6, and 8, 2026.

How many Dream Finders Homes (DFH) shares were granted to the CFO?

Ramsay was granted 41,387 and 25,867 shares of Class A common stock on March 6, 2026. These grants were reported at a transaction price of $0.00 per share, reflecting equity awards rather than cash purchases in the open market.

How do the DFH restricted stock awards to the CFO vest over time?

One restricted stock award to Ramsay vests in three equal annual installments starting March 6, 2027. The second award vests in five equal annual installments beginning on March 6, 2027, aligning her compensation with longer-term company performance.

How many Dream Finders Homes (DFH) shares does the CFO own after these Form 4 transactions?

After the reported awards and tax-withholding dispositions, Ramsay directly held 232,484 shares of Dream Finders Homes Class A common stock. This figure reflects her direct ownership at the conclusion of the most recent reported transaction.

What do transaction codes A and F mean in the DFH CFO’s Form 4?

Code “A” indicates a grant, award, or other acquisition of shares, which in this case were restricted stock awards. Code “F” indicates a tax-withholding disposition, where shares are delivered or withheld to cover exercise price or tax liabilities.