Better Home & Finance Holding Company
16.00%
1,927,619
1835856
08774B508
Dec 21, 2025
Dec 29, 2025, 05:18 PM
Reporting Persons (4)
This is a joint filing. The reported shares may overlap between reporting persons and should not be summed.
| Name | Type | % of Class | Aggregate | Sole Voting | Shared Voting |
|---|---|---|---|---|---|
| Vishal Garg | Individual | 16.00% | 1,927,619 | 1,927,619 | 0 |
| The 718 4Ever Trust I | Other | 4.40% | 465,517 | 465,517 | 0 |
| 1/0 Real Estate, LLC | Other | 1.30% | 130,455 | 130,455 | 0 |
| 1/0 Real Estate, LLC | Other | 1.30% | 130,455 | 130,455 | 0 |
Disclosure Items (6)
Class A common stock, par value $0.0001 per share
Better Home & Finance Holding Company
1 World Trade Center, 285 Fulton Street, New York, NY, 10007
Item 2 of the Schedule 13D is hereby amended and supplemented by deleting the second sentence of the second paragraph, which disclosed the principal business address of Mr. Garg, and replacing such sentence with the following: The principal business address of Mr. Garg is 1 World Trade Center, 80th Floor, Suite A, New York, New York 10007.
Each of Item 5(a) and 5(b) is hereby amended, restated and supplemented in its entirety with the following information: Mr. Garg has beneficial ownership of (a) 11,321 shares of Class A Common Stock, (b) 6,334 shares of Class A Common Stock underlying an equivalent number of restricted stocks units ("RSUs") that will vest within 60 days, (c) 386,137 currently exercisable options to purchase shares of Class B Common Stock, and (d) 1,523,827 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 16.0% of outstanding Class A Common Stock, based on 10,125,100 shares of Class A Common Stock outstanding as of December 10, 2025. 1/0 Real Estate, LLC has beneficial ownership of 130,455 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 1.3% of the outstanding Class A Common Stock as of December 10, 2025. 1/0 Real Estate, LLC is wholly-owned by 1/0 Holdco, LLC. As a result, 1/0 Holdco, LLC has beneficial ownership of the Class A Common Stock described in the immediately preceding paragraph. Mr. Garg is the controlling member of 1/0 Holdco, LLC. The 718 4Ever Trust I has beneficial ownership of 465,517 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 4.4% of outstanding Class A Common Stock. The percentage of the Class A Common Stock and the aggregate outstanding Common Stock is based upon the share information described in the first paragraph under Item 5. Mr. Garg has the sole power to dispose or direct the disposition of all shares of Class A Common Stock and Class B Common Stock, beneficially owned as of December 10, 2025.
The information set forth in Item 5 (a) is hereby incorporated by reference to this Item 5(b), as applicable.
On November 1, 2025, Mr. Garg received 3,166 shares of Class A Common Stock underlying RSUs that vested on November 1, 2025, and the Issuer withheld 1,751 shares to pay for tax withholding obligations. On December 1, 2025, Mr. Garg received 3,167 shares of Class A Common Stock underlying RSUs that vested on December 1, 2025, and the Issuer withheld 1,752 shares to pay for tax withholding obligations. Other than as described above or otherwise in this Amendment No. 2, there were no other transactions effected in Common Stock during the past 60 days by Mr. Garg.
Not applicable.
Not applicable.
Item 6 of the Schedule 13D is hereby amended and supplemented as follows: Garg 2025 Trading Plan Item 4 above summarizes certain provisions of the Garg 2025 Trading Plan and is incorporated herein by reference. The Form of the Garg 2025 Trading Plan is attached as Exhibit 17 and is incorporated herein by reference. Except as set forth herein, the Reporting Persons do not have any contracts, arrangements, understandings or relationships (legal or otherwise) with any person with respect to any securities of the Issuer, including, but not limited to, any contracts, arrangements, understandings or relationships concerning the transfer or voting of such securities, finder's fees, joint ventures, loan or option arrangements, puts or calls, guarantees of profits, division of profits or losses, or the giving or withholding of proxies.
Exhibit 17 - Form of Garg 2025 Trading Plan