Sec Form 4 Filing - PBRA, LLC @ Better Home & Finance Holding Co - 2025-09-22

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person PBRA, LLC 2. Issuer Name and Ticker or Trading Symbol Better Home & Finance Holding Co [ BETR] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director X __ 10% Owner _____ Officer (give title below) _____ Other (specify below) (Last) (First) (Middle) C/O PINE BROOK ROAD PARTNERS, LLC, 60 EAST 42ND STREET, SUITE 3014 3. Date of Earliest Transaction (MM/DD/YY) 09/22/2025 (Street) NEW YORK, NY10165 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) _____ Form filed by One Reporting Person __ X __ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Class A Common Stock 09/22/2025 S 453,511 D $ 47 542,149 ( 1 ) I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 166,900 D $ 50.1475 ( 3 ) 375,249 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 72,809 D $ 51.6026 ( 4 ) 302,440 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 81,981 D $ 52.3636 ( 5 ) 220,459 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 36,195 D $ 53.2332 ( 6 ) 184,264 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 44,884 D $ 54.5767 ( 7 ) 139,380 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 62,188 D $ 55.3263 ( 8 ) 77,192 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 11,547 D $ 56.2179 ( 9 ) 65,645 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 41,214 D $ 57.4293 ( 10 ) 24,431 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 3,452 D $ 58.1518 ( 11 ) 20,979 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 14,528 D $ 60 6,451 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 4,673 D $ 67.5437 ( 12 ) 1,778 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 100 D $ 68.74 1,678 I By Pine Brook Capital Partners II, L.P. ( 2 ) Class A Common Stock 09/22/2025 S 1,678 D $ 75 0 I By Pine Brook Capital Partners II, L.P. ( 2 )

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other PBRA, LLC C/O PINE BROOK ROAD PARTNERS, LLC 60 EAST 42ND STREET, SUITE 3014 NEW YORK, NY10165 X Pine Brook Road Associates II, L.P. C/O PINE BROOK ROAD PARTNERS, LLC 60 EAST 42ND STREET, SUITE 3014 NEW YORK, NY10165 X NEWMAN HOWARD H C/O PINE BROOK ROAD PARTNERS, LLC 60 EAST 42ND STREET, SUITE 3014 NEW YORK, NY10165 X Pine Brook Capital Partners II, L.P. 60 EAST 42ND STREET, SUITE 3014 NEW YORK, NY10165 X Pine Brook Road Advisors, L.P. 346 PINE BROOK ROAD BEDFORD, NY10506 X Signatures PBRA, LLC, By: /s/ Howard Newman, Chairman, Chief Executive Officer 09/24/2025 Signature of Reporting Person Date Pine Brook Road Associates II, L.P., By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer 09/24/2025 Signature of Reporting Person Date /s/ Howard Newman 09/24/2025 Signature of Reporting Person Date Pine Brook Capital Partners II, L.P., By: Pine Brook Road Associates II, L.P., its General Partner, By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer 09/24/2025 Signature of Reporting Person Date Pine Brook Road Advisors, L.P., By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer 09/24/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )This number has been adjusted to reflect the 1-for-50 reverse stock split the Issuer effected on August 16, 2024. ( 2 )Pine Brook Road Associates II, L.P. ("PBRA II") is the general partner of Pine Brook Capital Partners II, L.P. PBRA, LLC is the general partner of PBRA II. Pine Brook Road Advisors, L.P. controls the investment advisor of Pine Brook Capital Partners II, L.P. PBRA, LLC is the general partner of Pine Brook Road Advisors, L.P. Howard Newman is the managing member of PBRA, LLC. Each of the Reporting Persons disclaims beneficial ownership of the securities reported herein except to the extent of its or his pecuniary interest therein, and the inclusion of these securities in this report shall not be deemed an admission of beneficial ownership of all of the reported securities for purposes of Section 16 or for any other purpose. ( 3 )This price reflects a weighted average sale price for open-market sales of Class A Common Stock ("Shares") made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $50.00 to $50.985, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (3). ( 4 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $51.00 to $51.9975, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (4). ( 5 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $52.00 to $52.99, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (5). ( 6 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $53.00 to $53.945, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (6). ( 7 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $54.00 to $54.99, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (7). ( 8 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $55.00 to $55.98, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (8). ( 9 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $56.00 to $56.91, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (9). ( 10 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $57.035 to $58.01, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (10). ( 11 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $58.07 to $58.51, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (11). ( 12 )This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $67.50 to $68.01, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (12).

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

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