Chad M. Smith - 06 Feb 2026 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
06 Feb 2026
Net transactions value
-$136,073
Form type
4
Filing time
10 Feb 2026, 19:16:20 UTC
Previous filing
03 Feb 2026
Next filing
13 Feb 2026
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 10 Feb 2026 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 +5,000 $0.000000 5,000 06 Feb 2026 Direct F1
transaction BETR Class A Common Stock Tax liability $78,546 -2,944 -59% $26.68 2,056 06 Feb 2026 Direct
transaction BETR Class A Common Stock Sale $57,527 -2,056 -9.5% $27.98 19,534 10 Feb 2026 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 -5,000 -10% $0.000000 45,000 06 Feb 2026 Class A Common Stock 5,000 Direct F2, F3
* 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 shares of Class A Common Stock held by the reporting person prior to the transaction reported herein reflect a transfer of 3,097 shares previously reported as directly held by the reporting person to the reporting person's Trust, which transfer of shares to the Trust was a change in form of ownership in accordance Rule 16a-13.
F2 Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock.
F3 The RSUs were granted on May 8, 2024. 25% of the RSUs will vest, subject to the Reporting Person's continued employment, on the 12-month anniversary of the grant date, and the remaining balance of the RSUs will vest in equal quarterly installments over the following 36 months, subject to the Reporting Person's continued employment on each such scheduled vesting date.