Kevin J. Ryan - Sep 1, 2025 Form 4 Insider Report for Better Home & Finance Holding Co (BETR)

Role: Chief Financial Officer
Signature: /s/ Andrew Holt, Attorney-in-Fact
Stock symbol: BETR
Transactions as of: Sep 1, 2025
Transactions value $: -$45,599
Form type: 4
Date filed: 9/3/2025, 04:11 PM
Previous filing: Jun 2, 2025
Next filing: Oct 3, 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
RYAN KEVIN J	Chief Financial Officer	C/O BETTER HOME & FINANCE HOLDING CO, 1 WORLD TRADE CENTER, 80TH FLOOR SUITE A, NEW YORK	/s/ Andrew Holt, Attorney-in-Fact	2025-09-03	0001069544

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BETR	Class A Common Stock	Options Exercise	$0	+4.83K	+9.34%	$0.00	56.6K	Sep 1, 2025	Direct
transaction	BETR	Class A Common Stock	Tax liability	-$43K	-1.9K	-3.36%	$22.63	54.7K	Sep 1, 2025	Direct

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 B)	Options Exercise	$0	-286	-33.26%	$0.00	574	Sep 1, 2025	Class B Common Stock	286		Direct	F1, F2
transaction	BETR	Class B Common Stock	Options Exercise	$0	+286	+2.04%	$0.00	14.3K	Sep 1, 2025	Class A Common Stock	286		Direct	F3
transaction	BETR	Class B Common Stock	Tax liability	-$2.56K	-113	-0.79%	$22.63	14.2K	Sep 1, 2025	Class A Common Stock	113		Direct	F3
transaction	BETR	Restricted Stock Units (Class A)	Options Exercise	$0	-4.83K	-12.5%	$0.00	33.8K	Sep 1, 2025	Class A Common Stock	4.83K		Direct	F4, F5

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

Explanation of Responses:

Id	Content
F1	Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class B Common Stock.
F2	The restricted stock units were granted on March 1, 2022 and will vest subject to both time- and liquidity-based criteria. Under the time-based criteria, 14/48ths of the restricted stock units became vested on the grant date and the remaining restricted stock units will vest in equal 1/48ths of the restricted stock units on the first business day of each month such that the restricted stock units will be fully vested as of July 1, 2025. The liquidity-based criteria was satisfied upon the consummation of the Business Combination.
F3	Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better's founder.
F4	Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A common stock.
F5	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.