Chad M. Smith - 01 Oct 2025 Form 4 Insider Report for Better Home & Finance Holding Co (BETR)

Role: Pres & COO, Better Mortgage
Signature: /s/ Andrew Holt, Attorney-in-Fact
Issuer symbol: BETR
Transactions as of: 01 Oct 2025
Net transactions value: -$139,518
Form type: 4
Filing time: 03 Oct 2025, 19:05:25 UTC
Previous filing: 03 Sep 2025
Next filing: 04 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Smith Chad M.	Pres & COO, Better Mortgage	C/O BETTER HOME & FINANCE HOLDING CO, 1 WORLD TRADE CENTER, 80TH FLOOR SUITE A, NEW YORK	/s/ Andrew Holt, Attorney-in-Fact	03 Oct 2025	0002022869

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BETR	Class A Common Stock	Options Exercise	$0	+4,834	+161%	$0.000000	7,834	01 Oct 2025	Direct	F1
transaction	BETR	Class A Common Stock	Tax liability	$139,518	-2,455	-31%	$56.83	5,379	01 Oct 2025	Direct
holding	BETR	Class A Common Stock						26,372	01 Oct 2025	By Trust	F1

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	-4,834	-14%	$0.000000	29,000	01 Oct 2025	Class A Common Stock	4,834		Direct	F2, F3

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

Explanation of Responses:

Id	Content
F1	The shares of Class A Common Stock held by the reporting person prior to the transaction reported herein reflect a transfer of 26,372 shares previously reported as directly held by the reporting person to the reporting person's Trust on September 16, 2025. The transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13.
F2	Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock.
F3	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.