J. Calamari Nicholas - 06 Oct 2025 Form 4 Insider Report for Better Home & Finance Holding Co (BETR)

Role
CAO and Senior Counsel
Signature
/s/ Andrew Holt, Attorney-in-Fact
Issuer symbol
BETR
Transactions as of
06 Oct 2025
Net transactions value
-$1,032,574
Form type
4
Filing time
08 Oct 2025, 16:03:42 UTC
Previous filing
03 Oct 2025
Next filing
04 Nov 2025
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Nicholas J. Calamari CAO and Senior Counsel C/O BETTER HOME & FINANCE HOLDING CO, 1 WORLD TRADE CENTER, 80TH FLOOR SUITE A, NEW YORK /s/ Andrew Holt, Attorney-in-Fact 08 Oct 2025 0001614749

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction BETR Class A Common Stock Conversion of derivative security $0 +2,445 $0.000000 2,445 06 Oct 2025 By the Anika G Austin Descendants Trust F1
transaction BETR Class A Common Stock Conversion of derivative security $0 +2,445 $0.000000 2,445 06 Oct 2025 By the Nicholas J. Calamari Family Trust F2
transaction BETR Class A Common Stock Conversion of derivative security $0 +12,528 +110% $0.000000 23,869 06 Oct 2025 Direct
transaction BETR Class A Common Stock Sale $38,352 -666 -27% $57.58 1,779 06 Oct 2025 By the Anika G Austin Descendants Trust F1, F3
transaction BETR Class A Common Stock Sale $18,678 -323 -18% $57.83 1,456 06 Oct 2025 By the Anika G Austin Descendants Trust F1, F4
transaction BETR Class A Common Stock Sale $45,412 -757 -52% $59.99 699 06 Oct 2025 By the Anika G Austin Descendants Trust F1, F5
transaction BETR Class A Common Stock Sale $28,463 -469 -67% $60.69 230 06 Oct 2025 By the Anika G Austin Descendants Trust F1, F6
transaction BETR Class A Common Stock Sale $14,039 -230 -100% $61.04 0 06 Oct 2025 By the Anika G Austin Descendants Trust F1, F7
transaction BETR Class A Common Stock Sale $38,352 -666 -27% $57.58 1,779 06 Oct 2025 By the Nicholas J. Calamari Family Trust F2, F3
transaction BETR Class A Common Stock Sale $18,678 -323 -18% $57.83 1,456 06 Oct 2025 By the Nicholas J. Calamari Family Trust F2, F4
transaction BETR Class A Common Stock Sale $45,412 -757 -52% $59.99 699 06 Oct 2025 By the Nicholas J. Calamari Family Trust F2, F5
transaction BETR Class A Common Stock Sale $28,463 -469 -67% $60.69 230 06 Oct 2025 By the Nicholas J. Calamari Family Trust F2, F6
transaction BETR Class A Common Stock Sale $14,039 -230 -100% $61.04 0 06 Oct 2025 By the Nicholas J. Calamari Family Trust F2, F7
transaction BETR Class A Common Stock Sale $196,422 -3,411 -14% $57.58 20,458 06 Oct 2025 Direct F3
transaction BETR Class A Common Stock Sale $95,646 -1,654 -8.1% $57.83 18,804 06 Oct 2025 Direct F4
transaction BETR Class A Common Stock Sale $232,819 -3,881 -21% $59.99 14,923 06 Oct 2025 Direct F5
transaction BETR Class A Common Stock Sale $145,955 -2,405 -16% $60.69 12,518 06 Oct 2025 Direct F6
transaction BETR Class A Common Stock Sale $71,844 -1,177 -9.4% $61.04 11,341 06 Oct 2025 Direct F7

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 Class B Common Stock Conversion of derivative security $0 -2,445 -11% $0.000000 19,567 06 Oct 2025 Class A Common Stock 2,445 By the Anika G Austin Descendants Trust F1, F8
transaction BETR Class B Common Stock Conversion of derivative security $0 -2,445 -11% $0.000000 19,567 06 Oct 2025 Class A Common Stock 2,445 By the Nicholas J. Calamari Family Trust F2, F8
transaction BETR Class B Common Stock Conversion of derivative security $0 -12,528 -11% $0.000000 102,505 06 Oct 2025 Class A Common Stock 12,528 Direct F8
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Buy Plan / Sale Plan: These are also open market purchases/sales of shares, but in this case the transaction is part of a trading plan. Rule 10b5-1 allows insiders to setup a trading plan to buy/sell stocks over a certain period of time. Since the purchases/sales are predetermined, this protects the insiders from violating insider trading law.

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).

Explanation of Responses:

Id Content
F1 The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.
F2 The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.
F3 The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $57.11 to $57.98 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.
F4 The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $58.205 to $58.75 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.
F5 The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $59.27 to $60.27 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.
F6 The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $60.3013 to $61.25 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.
F7 The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $61.37 to $62.70 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.
F8 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.