Kevin J. Ryan - 01 Nov 2025 Form 4 Insider Report for Better Home & Finance Holding Co (BETR)

Role: Chief Financial Officer
Signature: /s/ Andrew Holt, Attorney-in-Fact
Issuer symbol: BETR
Transactions as of: 01 Nov 2025
Net transactions value: -$139,245
Form type: 4
Filing time: 04 Nov 2025, 21:17:55 UTC
Previous filing: 03 Oct 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
RYAN KEVIN J	Chief Financial Officer	C/O BETTER HOME & FINANCE HOLDING CO, 1 WORLD TRADE CENTER, 80TH FLOOR SUITE A, NEW YORK	/s/ Andrew Holt, Attorney-in-Fact	04 Nov 2025	0001069544

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BETR	Class A Common Stock	Options Exercise	$0	+4,833	+8.4%	$0.000000	62,432	01 Nov 2025	Direct
transaction	BETR	Class A Common Stock	Tax liability	$139,245	-1,902	-3%	$73.21	60,530	01 Nov 2025	Direct

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	BETR	Restricted Stock Units (Class A)	Options Exercise	$0	-4,833	-17%	$0.000000	24,167	01 Nov 2025	Class A Common Stock	4,833		Direct	F1, F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.
F2	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.