Chad M. Smith - 01 Dec 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 Dec 2025
Net transactions value: -$110,770
Form type: 4
Filing time: 03 Dec 2025, 20:55:02 UTC
Previous filing: 10 Nov 2025
Next filing: 15 Dec 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 Dec 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	+4,833		$0.000000	4,833	01 Dec 2025	Direct	F1
transaction	BETR	Class A Common Stock	Tax liability	$110,770	-2,455	-51%	$45.12	2,378	01 Dec 2025	Direct
holding	BETR	Class A Common Stock						33,590	01 Dec 2025	By Trust

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	-20%	$0.000000	19,334	01 Dec 2025	Class A Common Stock	4,833		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 (i) a transfer of 7,218 shares previously reported as directly held by the reporting person to the reporting person's Trust on September 16, 2025, which transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13, and (ii) a correction of the amount previously reported which was overstated by 3,000 shares, due to an administrative error.
F2	Each restricted stock unit represents a contingent right to receive one share of the Issuer's 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.