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Nicholas J. Calamari

Disclosed activity across 1 company

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63303
SEC CIK
0001614749

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Reported relationships

Latest disclosed role at each company.

CompanyLast reported asReport datePublished
Better Home & Finance Holding CoBETR · Entity 1037CAO and Senior CounselMarch 01, 2026March 03, 2026

Disclosed balances

About these balances

Latest available filing per company, not a reconstructed current portfolio. Matching sequences show the last reported balance with all source rows expandable; grouping alone does not establish account ownership. Do not add unresolved positions together. Filings may omit unchanged positions, and amendments may correct only part of an older disclosure. Jointly reported shares are not necessarily this owner's personal holdings.

Better Home & Finance Holding Co

Report date March 01, 2026 · Filed March 03, 2026

Security / awardOwnership accountDisclosed shares / unitsDisclosure context
Class A Common StockSEC Table I · non-derivativeDirect34,402 Reported balance After 2026-03-01 transaction · row 1
1 source row

Row 1 · 2026-03-01 · Exercise / conversion · Acquired 3,167 · Balance 34,402

Restricted Stock Units (Class A)SEC Table II · derivative / convertible securityDirect3,167 Reported balance After 2026-03-01 transaction · row 2 Instrument identity requires review; Table II rows are not merged.
1 source row

Row 2 · 2026-03-01 · Exercise / conversion · Disposed 3,167 · Balance 3,167

F1: Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

F2: 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.

Filing footnotes · ownership attribution and instrument terms

F1: Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

F2: 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.

Transaction history

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Purchases/sales include open-market and private transactions. Plan disclosure applies to the filing; individual rows may differ. “Not disclosed” is not “unplanned.”

The cutoff filters transaction history only. Company summaries and owner relationships show the latest available disclosures. Parser corrections can improve historical records.

Transaction dateCompanyActivity / securityShares / unitsReported priceReported valueDetails
March 01, 2026 Filed Mar 3, 2026 19:32 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionRestricted Stock Units (Class A) · Derivative 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-26-000010 · wk-form4_1772584352.xml · derivative · entry 2

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 3,167

Underlying: Class A Common Stock · 3,167 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

F2 · derivative.exercise_date: 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.

F2 · derivative.expiration_date: 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.

Read SEC document
March 01, 2026 Filed Mar 3, 2026 19:32 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionClass A Common Stock 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-26-000010 · wk-form4_1772584352.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 34,402

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

Read SEC document
February 17, 2026 Filed Feb 18, 2026 20:50 UTC Better Home & Finance Holding Co BETR · Entity 1037 Tax withholdingClass A Common Stock 9,020 $29.11 $262,572.20
Disclosure

SEC source: 0001614749-26-000008 · wk-form4_1771465811.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 31,235

F1 · kind: Represents shares of common stock withheld to pay taxes upon vesting of restricted stock units originally granted to the Reporting Person on February 11, 2026. The number of shares withheld was determined on February 17, 2026 based on the closing price of the Issuer's Class A common stock on February 11, 2026.

F1 · price: Represents shares of common stock withheld to pay taxes upon vesting of restricted stock units originally granted to the Reporting Person on February 11, 2026. The number of shares withheld was determined on February 17, 2026 based on the closing price of the Issuer's Class A common stock on February 11, 2026.

Read SEC document
February 11, 2026 Filed Feb 13, 2026 16:24 UTC Better Home & Finance Holding Co BETR · Entity 1037 GrantClass A Common Stock 22,381 $0.00 $0.00
Disclosure

SEC source: 0001614749-26-000006 · wk-form4_1771017860.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 40,255

F1 · kind: Represents a grant of restricted stock units that vested immediately.

Read SEC document
February 01, 2026 Filed Feb 3, 2026 18:55 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionRestricted Stock Units (Class A) · Derivative 3,166 $0.00 $0.00
Disclosure

SEC source: 0001614749-26-000004 · wk-form4_1770162904.xml · derivative · entry 3

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 6,334

Underlying: Class A Common Stock · 3,166 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

F2 · derivative.exercise_date: 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.

F2 · derivative.expiration_date: 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.

Read SEC document
February 01, 2026 Filed Feb 3, 2026 18:55 UTC Better Home & Finance Holding Co BETR · Entity 1037 Tax withholdingClass A Common Stock 1,373 $30.31 $41,615.63
Disclosure

SEC source: 0001614749-26-000004 · wk-form4_1770162904.xml · nonDerivative · entry 2

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 17,874

Read SEC document
February 01, 2026 Filed Feb 3, 2026 18:55 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionClass A Common Stock 3,166 $0.00 $0.00
Disclosure

SEC source: 0001614749-26-000004 · wk-form4_1770162904.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 19,247

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

Read SEC document
January 01, 2026 Filed Jan 5, 2026 20:43 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionRestricted Stock Units (Class A) · Derivative 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-26-000002 · wk-form4_1767663820.xml · derivative · entry 3

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 9,500

Underlying: Class A Common Stock · 3,167 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

F2 · derivative.exercise_date: 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.

F2 · derivative.expiration_date: 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.

Read SEC document
January 01, 2026 Filed Jan 5, 2026 20:43 UTC Better Home & Finance Holding Co BETR · Entity 1037 Tax withholdingClass A Common Stock 1,445 $32.58 $47,078.10
Disclosure

SEC source: 0001614749-26-000002 · wk-form4_1767663820.xml · nonDerivative · entry 2

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 16,081

Read SEC document
January 01, 2026 Filed Jan 5, 2026 20:43 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionClass A Common Stock 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-26-000002 · wk-form4_1767663820.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 17,526

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

Read SEC document
December 01, 2025 Filed Dec 3, 2025 20:57 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionRestricted Stock Units (Class A) · Derivative 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000013 · wk-form4_1764813470.xml · derivative · entry 3

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 12,667

Underlying: Class A Common Stock · 3,167 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

F2 · derivative.exercise_date: 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.

F2 · derivative.expiration_date: 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.

F2 · derivative.underlying_shares: 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.

Read SEC document
December 01, 2025 Filed Dec 3, 2025 20:57 UTC Better Home & Finance Holding Co BETR · Entity 1037 Tax withholdingClass A Common Stock 1,752 $45.12 $79,050.24
Disclosure

SEC source: 0001614749-25-000013 · wk-form4_1764813470.xml · nonDerivative · entry 2

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 14,359

Read SEC document
December 01, 2025 Filed Dec 3, 2025 20:57 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionClass A Common Stock 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000013 · wk-form4_1764813470.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 16,111

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

Read SEC document
November 01, 2025 Filed Nov 4, 2025 21:15 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionRestricted Stock Units (Class A) · Derivative 3,166 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000012 · wk-form4_1762308933.xml · derivative · entry 3

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 15,834

Underlying: Class A Common Stock · 3,166 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of the Issuer's Class A Common Stock.

F2 · derivative.exercise_date: 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.

F2 · derivative.expiration_date: 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.

Read SEC document
November 01, 2025 Filed Nov 4, 2025 21:15 UTC Better Home & Finance Holding Co BETR · Entity 1037 Tax withholdingClass A Common Stock 1,563 $73.21 $114,427.23
Disclosure

SEC source: 0001614749-25-000012 · wk-form4_1762308933.xml · nonDerivative · entry 2

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 12,944

Read SEC document
November 01, 2025 Filed Nov 4, 2025 21:15 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionClass A Common Stock 3,166 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000012 · wk-form4_1762308933.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 14,507

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass B Common Stock · Derivative 12,528 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · derivative · entry 21

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 102,505

Underlying: Class A Common Stock · 12,528 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F8 · derivative.exercise_price: 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.

F8 · derivative.exercise_date: 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.

F8 · derivative.expiration_date: 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.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass B Common Stock · Derivative 2,445 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · derivative · entry 20

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 19,567

Underlying: Class A Common Stock · 2,445 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F8 · derivative.exercise_price: 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.

F8 · derivative.exercise_date: 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.

F8 · derivative.expiration_date: 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.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass B Common Stock · Derivative 2,445 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · derivative · entry 19

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 19,567

Underlying: Class A Common Stock · 2,445 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F8 · derivative.exercise_price: 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.

F8 · derivative.exercise_date: 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.

F8 · derivative.expiration_date: 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.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 1,177 $61.04 $71,843.96
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 18

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 11,341

F7 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $61.37 to $62.70 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 2,405 $60.69 $145,955.36
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 17

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 12,518

F6 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $60.3013 to $61.25 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 3,881 $59.99 $232,819.25
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 16

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 14,923

F5 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $59.27 to $60.27 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 1,654 $57.83 $95,646.19
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 15

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 18,804

F4 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $58.205 to $58.75 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

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October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 3,411 $57.58 $196,422.09
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 14

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 20,458

F3 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $57.11 to $57.98 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 230 $61.04 $14,039.18
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 13

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 0

F7 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $61.37 to $62.70 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 469 $60.69 $28,462.81
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 12

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 230

F6 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $60.3013 to $61.25 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 757 $59.99 $45,412.05
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 11

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 699

F5 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $59.27 to $60.27 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 323 $57.83 $18,678.19
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 10

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 1,456

F4 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $58.205 to $58.75 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 666 $57.58 $38,351.54
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 9

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 1,779

F3 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $57.11 to $57.98 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 230 $61.04 $14,039.18
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 8

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 0

F7 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $61.37 to $62.70 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 469 $60.69 $28,462.81
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 7

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 230

F6 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $60.3013 to $61.25 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 757 $59.99 $45,412.05
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 6

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 699

F5 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $59.27 to $60.27 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 323 $57.83 $18,678.19
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 5

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 1,456

F4 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $58.205 to $58.75 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 666 $57.58 $38,351.54
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 4

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 1,779

F3 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $57.11 to $57.98 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass A Common Stock 12,528 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 3

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 23,869

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass A Common Stock 2,445 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 2

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 2,445

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

Read SEC document
October 06, 2025 Filed Oct 8, 2025 16:03 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass A Common Stock 2,445 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000009 · wk-form4_1759953819.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 2,445

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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October 01, 2025 Filed Oct 3, 2025 19:01 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionRestricted Stock Units (Class A) · Derivative 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000007 · wk-form4_1759532499.xml · derivative · entry 3

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 19,000

Underlying: Class A Common Stock · 3,167 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock.

F2 · derivative.exercise_date: 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.

F2 · derivative.expiration_date: 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.

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October 01, 2025 Filed Oct 3, 2025 19:01 UTC Better Home & Finance Holding Co BETR · Entity 1037 Tax withholdingClass A Common Stock 1,277 $56.83 $72,571.91
Disclosure

SEC source: 0001614749-25-000007 · wk-form4_1759532499.xml · nonDerivative · entry 2

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 11,341

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October 01, 2025 Filed Oct 3, 2025 19:01 UTC Better Home & Finance Holding Co BETR · Entity 1037 Exercise / conversionClass A Common Stock 3,167 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000007 · wk-form4_1759532499.xml · nonDerivative · entry 1

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 12,618

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

Read SEC document
September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass B Common Stock · Derivative 12,527 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · derivative · entry 12

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 115,033

Underlying: Class A Common Stock · 12,527 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · derivative.exercise_price: 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 · derivative.exercise_date: 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 · derivative.expiration_date: 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.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass B Common Stock · Derivative 2,446 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · derivative · entry 11

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 22,012

Underlying: Class A Common Stock · 2,446 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · derivative.exercise_price: 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 · derivative.exercise_date: 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 · derivative.expiration_date: 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.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass B Common Stock · Derivative 2,446 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · derivative · entry 10

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 22,012

Underlying: Class A Common Stock · 2,446 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · derivative.exercise_price: 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 · derivative.exercise_date: 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 · derivative.expiration_date: 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.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 133 $22.68 $3,016.44
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · nonDerivative · entry 9

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 9,451

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 12,394 $21.86 $270,879.55
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · nonDerivative · entry 8

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 9,584

F3 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $21.64 to $22.22 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 26 $22.68 $589.68
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · nonDerivative · entry 7

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 0

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 2,420 $21.86 $52,890.79
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · nonDerivative · entry 6

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Nicholas J. Calamari Family Trust

Disclosed balance after: 26

F3 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $21.64 to $22.22 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F2 · ownership.nature: The Reporting Person is the controlling party of the Nicholas J. Calamari Family Trust, of which the Reporting Person's spouse serves as the trustee for the benefit of the Reporting Person and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Nicholas J. Calamari Family Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 26 $22.68 $589.68
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · nonDerivative · entry 5

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 0

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 SaleClass A Common Stock 2,420 $21.86 $52,890.79
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · nonDerivative · entry 4

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Indirect · By the Anika G Austin Descendants Trust

Disclosed balance after: 26

F3 · price: The price reported in Column 4 is a weighted average price for shares sold in multiple transactions. The sale prices range from $21.64 to $22.22 per share. The reporting person has provided to the issuer, and undertakes to provide to the staff of the Securities and Exchange Commission or any security holder of the issuer, upon request, full information regarding the number of shares sold at each separate price within the range.

F1 · ownership.nature: The Reporting Person is the spouse of the beneficiary of the Anika G Austin Descendants Trust, of which the Reporting Person serves as the trustee for the benefit of the Reporting Person's spouse and their children. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the Anika G Austin Descendants Trust. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

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September 04, 2025 Filed Sep 8, 2025 21:35 UTC Better Home & Finance Holding Co BETR · Entity 1037 ConversionClass A Common Stock 12,527 $0.00 $0.00
Disclosure

SEC source: 0001614749-25-000005 · wk-form4_1757381721.xml · nonDerivative · entry 3

Nicholas J. Calamari · CIK 0001614749 · CAO and Senior Counsel

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 21,978

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

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Value uses the disclosed total when available, otherwise shares × reported transaction price. It is not an estimate of exercise cash cost or investment performance.