Vishal Garg - 01 Jan 2026 Form 4 Insider Report for Better Home & Finance Holding Co (BETR)

Role: Chief Executive Officer, Director, 10%+ Owner
Signature: /s/ Andrew Holt, Attorney-in-Fact
Issuer symbol: BETR
Transactions as of: 01 Jan 2026
Net transactions value: -$47,078
Form type: 4
Filing time: 05 Jan 2026, 20:42:39 UTC
Previous filing: 03 Dec 2025
Next filing: 03 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Garg Vishal	Chief Executive Officer, Director, 10%+ Owner	C/O BETTER HOME & FINANCE HOLDING CO, 1 WORLD TRADE, 285 FULTON ST., FL 80, A, NEW YORK	/s/ Andrew Holt, Attorney-in-Fact	05 Jan 2026	0001297602

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BETR	Class A Common Stock	Options Exercise	$0	+3,167	+28%	$0.000000	14,488	01 Jan 2026	Direct
transaction	BETR	Class A Common Stock	Tax liability	$47,078	-1,445	-10%	$32.58	13,043	01 Jan 2026	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	-3,167	-25%	$0.000000	9,500	01 Jan 2026	Class A Common Stock	3,167		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.