Harit Talwar - 01 Nov 2025 Form 4 Insider Report for Better Home & Finance Holding Co (BETR)

Role: Director
Signature: /s/ Andrew Holt as attorney-in-fact
Issuer symbol: BETR
Transactions as of: 01 Nov 2025
Net transactions value: $0
Form type: 4
Filing time: 03 Feb 2026, 18:49:11 UTC
Previous filing: 26 Jun 2025
Next filing: 04 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Talwar Harit	Director	C/O BETTER HOME & FINANCE HOLDING CO, 1 WORLD TRADE, 285 FULTON ST, FLOOR 80, NEW YORK	/s/ Andrew Holt as attorney-in-fact	03 Feb 2026	0001401336

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 B)	Options Exercise	$0	-3,094	-5.3%	$0.000000	55,709	01 Nov 2025	Class B Common Stock	3,094		Direct	F1, F2
transaction	BETR	Class B Common Stock	Options Exercise	$0	+3,094	+7.7%	$0.000000	43,320	01 Nov 2025	Class A Common Stock	3,094		Direct	F3
transaction	BETR	Restricted Stock Units (Class B)	Options Exercise	$0	-3,094	-5.6%	$0.000000	52,615	01 Feb 2026	Class B Common Stock	3,094		Direct	F1, F2
transaction	BETR	Class B Common Stock	Options Exercise	$0	+3,094	+7.1%	$0.000000	46,414	01 Feb 2026	Class A Common Stock	3,094		Direct	F3

* 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 B Common Stock.
F2	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.
F3	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.