Better Home & Finance Holding Company
13.50%
2,029,224
1835856
Apr 8, 2026
May 29, 2026, 05:12 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 | 13.50% | 2,029,224 | 2,029,224 | 0 |
| The 718 4Ever Trust I | Other | 3.40% | 465,517 | 465,517 | 0 |
| 1/0 Real Estate, LLC | Other | 1.00% | 130,455 | 130,455 | 0 |
| 1/0 Real Estate, LLC | Other | 1.00% | 130,455 | 130,455 | 0 |
Disclosure Items (4)
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
Each of Item 5(a) and 5(b) is hereby amended, restated and supplemented in its entirety with the following information: As previously disclosed by the Issuer, on April 9, 2026, the Issuer consummated an underwritten public offering (the "Offering") of 2,156,250 shares of its Class A Common Stock. As a result of the Offering, Mr. Garg's beneficial ownership decreased by approximately 2.5%, due to the increase in the number of outstanding shares of Class A Common Stock resulting from the Offering. Mr. Garg has beneficial ownership of (a) 118,260 shares of Class A Common Stock, (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock, and (c) 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 13.5% of outstanding Class A Common Stock, based on 13,086,244 shares of Class A Common Stock outstanding as of May 1, 2026, as disclosed in the Issuer's Quarterly Report on Form 10-Q filed with the SEC on May 11, 2026. 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 1.0% of the outstanding Class A Common Stock as of May 1, 2026. 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 3.4% 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 second 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.
The information set forth in Item 5 (a) is hereby incorporated by reference to this Item 5(b), as applicable.
In the past 60 days, Mr. Garg made the following purchases of shares of Class A Common Stock in the open market pursuant to the Garg 2025 Trading Plan: (1) 6,583 shares in multiple transactions at a weitghted average price of $29.9992 per share on May 7, 2026; (2) 15,600 shares in multiple transactions at a weighted average price of $24.8710 per share on May 18, 2026; (3) 15,600 shares in multiple transactions at a weighted average price of $24.9996 per share on May 20, 2026; and (4) 15,600 shares in multiple transactions at a weighted average price of $24.8927 per share on May 21, 2026. In addition to the foregoing, Mr. Garg also purchased 10,000 shares of Class A Common Stock in the open market in multiple transactions at a weighted average price of $35.0519 per share on April 8, 2026. Other than as described above or otherwise in this Amendment No. 3, 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 by adding the following at the end of Item 6 under the heading "Garg 2025 Trading Plan": As disclosed in Item 4 of Amendment No. 3, the Garg 2025 Trading Plan was terminated on May 21, 2026. Item 6 of the Schedule 13D is hereby amended and supplemented by adding the following: Garg 2026 Trading Plan Item 4 above summarizes certain provisions of the Garg 2026 Trading Plan and is incorporated herein by reference. The Garg 2026 Trading Plan was entered into with the same broker dealer and on substantially the same form as the Garg 2025 Trading Plan, previously filed as Exhibit 17 to the Schedule 13D. 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.