Sec Form 4 Filing - Garg Vishal @ Better Home & Finance Holding Co - 2025-11-01

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 Garg Vishal 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) X __ Director X __ 10% Owner X __ Officer (give title below) _____ Other (specify below) Chief Executive Officer (Last) (First) (Middle) C/O BETTER HOME & FINANCE HOLDING CO, 1 WORLD TRADE, 285 FULTON ST., FL 80, A 3. Date of Earliest Transaction (MM/DD/YY) 11/01/2025 (Street) NEW YORK, NY10007 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ 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 11/01/2025 M 3,166 A $ 0 11,657 D Class A Common Stock 11/01/2025 F 1,751 D $ 73.21 9,906 D

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 Restricted Stock Units (Class A) ( 1 ) 11/01/2025 M 3,166 ( 2 ) ( 2 ) Class A Common Stock 3,166 $ 0 15,834 D Restricted Stock Units (Class A) ( 1 ) 11/03/2025 A 143,750 ( 3 ) ( 3 ) Class A Common Stock 143,750 $ 0 143,750 D Restricted Stock Units (Class A) ( 1 ) 11/03/2025 A 143,750 ( 3 ) ( 3 ) Class A Common Stock 143,750 $ 0 143,750 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other Garg Vishal C/O BETTER HOME & FINANCE HOLDING CO 1 WORLD TRADE, 285 FULTON ST., FL 80, A NEW YORK, NY10007 X X Chief Executive Officer Signatures /s/ Andrew Holt, Attorney-in-Fact 11/04/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock. ( 2 )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. ( 3 )The restricted stock units ("RSUs") are subject to both performance- and time-based vesting criteria. The performance-based criteria provides for the achievement of a specified stock price goal of the Issuer's Class A common stock occuring during the period beginning on October 1, 2025 and ending on December 31, 2030 (the "Performance Period"). 25% of the RSUs shall time vest on the one year anniversary of the grant date and the remainder of the RSUs shall time vest quarterly over the following 36 months, subject to the Reporting Person's continued service with the Issuer. In the event the performance criteria is not met during the Performance Period, the RSUs shall be forfeited.

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).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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