New insider Framework Ventures Iv L.P. claimed ownership of 940,508 shares (SEC Form 3)

3/11/26 9:13:13 PM ET

$BETR

Finance: Consumer Services

Finance

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SEC FORM 3 SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Framework Ventures IV L.P.

(Last)

(First)

(Middle)

600 MONTGOMERY STREET, FLOOR 42

(Street)

SAN FRANCISCO

94111

(City)

(State)

(Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
03/05/2026

3. Issuer Name and Ticker or Trading Symbol
Better Home & Finance Holding Co [ BETR ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

Director	X	10% Owner
Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

	Form filed by One Reporting Person
X	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	571,908	I	See Footnote⁽³⁾
Common Stock	247,450	I	See Footnote⁽⁴⁾
Common Stock	121,150	I	See Footnote⁽⁵⁾

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Warrants (right to buy)	⁽¹⁾⁽²⁾	02/17/2027	Common Stock	211,312⁽¹⁾⁽²⁾	⁽¹⁾⁽²⁾	I	See Footnote⁽³⁾

1. Name and Address of Reporting Person^*

Framework Ventures IV L.P.

(Last)

(First)

(Middle)

600 MONTGOMERY STREET, FLOOR 42

(Street)

SAN FRANCISCO

94111

(City)

(State)

(Zip)

Relationship of Reporting Person(s) to Issuer

Director	X	10% Owner
Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

Framework Ventures Management LLC

(Last)

(First)

(Middle)

600 MONTGOMERY STREET, FLOOR 42

(Street)

SAN FRANCISCO

94111

(City)

(State)

(Zip)

Relationship of Reporting Person(s) to Issuer

Director	X	10% Owner
Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

Framework Ventures IV GP LLC

(Last)

(First)

(Middle)

600 MONTGOMERY STREET, FLOOR 42

(Street)

SAN FRANCISCO

94111

(City)

(State)

(Zip)

Relationship of Reporting Person(s) to Issuer

Director	X	10% Owner
Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

Spencer Vance

(Last)

(First)

(Middle)

600 MONTGOMERY STREET, FLOOR 42

(Street)

SAN FRANCISCO

94111

(City)

(State)

(Zip)

Relationship of Reporting Person(s) to Issuer

Director	X	10% Owner
Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

Anderson Michael Ernest

(Last)

(First)

(Middle)

600 MONTGOMERY STREET, FLOOR 42

(Street)

SAN FRANCISCO

94111

(City)

(State)

(Zip)

Relationship of Reporting Person(s) to Issuer

Director	X	10% Owner
Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

Framework Labs, Inc.

(Last)

(First)

(Middle)

600 MONTGOMERY STREET, FLOOR 42

(Street)

SAN FRANCISCO

94111

(City)

(State)

(Zip)

Relationship of Reporting Person(s) to Issuer

Director	X	10% Owner
Officer (give title below)		Other (specify below)

Explanation of Responses:

1. On February 17, 2026, Framework Ventures IV L.P. ("Framework LP") entered into a Securities Purchase Agreement with Better Home & Finance Holding Company (the "Issuer"), pursuant to which Framework LP purchased a warrant (the "Warrant") to purchase up to an aggregate of 211,312 shares (the "Warrant Shares") of the Issuer's Class A common stock, par value $0.0001 per share (the "Common Stock"), upon the terms and subject to the limitations on exercise and conditions set forth in the Warrant. The purchase price of the Warrant was $0.01. The Warrant is exercisable for (i) up to 105,656 Warrant Shares at an exercise price of $27.00 per share upon the beneficial ownership of Framework LP, together with its affiliate, exceeding 4.99% of the then-outstanding Common Stock and (ii) up to the remaining 105,656 Warrant Shares at an exercise price of the greater of (x) $27.00 and (y) 90% of the 30-day volume-weighted average trading price per share of the Common Stock

2. Due to a character limit, Footnote 2 is a continuation of Footnote 1: upon the beneficial ownership exceeding 8.98%. The original Warrant contained a provision limiting the exercise of the warrant to the extent that, following exercise, Framework LP, together its affiliates, would not beneficially own more than 9.99% of the number of shares of Common Stock outstanding immediately after giving effect to the issuance of shares of Common Stock issuable upon exercise of the Warrant. On March 5, 2026, Framework LP and the Issuer entered into a waiver agreement pursuant to which such beneficial ownership limitation was waived from that date.

3. The reported securities are held directly by Framework LP and may also be deemed to be beneficially owned by Framework Ventures IV GP LLC ("Framework GP"), Framework Ventures Management LLC ("Framework Management"), Vance Spencer ("Mr. Spencer") and Michael Ernest Anderson ("Mr. Anderson"), each of which or whom disclaim beneficial ownership of these shares except to the extent of its or his pecuniary interest in such shares, if any. Framework GP is the general partner of Framework LP. Framework Management is the investment manager for Framework GP. Mr. Spencer and Mr. Anderson are members and the managers of Framework GP and the managing members of Framework Management.

4. The reported securities are held directly by Framework Labs, Inc. ("Framework Labs") and may also be deemed to be beneficially owned by Mr. Spencer and Mr. Anderson, each of whom disclaim beneficial ownership of these shares except to the extent of his pecuniary interest in such shares, if any. Mr. Spencer and Mr. Anderson serve as executive officers and directors of Framework Labs and control Framework Labs.

5. The reported securities are held directly by Mr. Spencer.

Remarks:

Framework LP, Framework GP, Framework Management, Mr. Spencer, Mr. Anderson and Framework Labs are jointly filing this Form 3 pursuant to the Joint Filing Agreement, dated March 11, 2026, filed with the Securities and Exchange Commission herewith (the "Joint Filing Agreement"). Exhibit List: Exhibit 24 – Power of Attorney, 99.1 – Joint Filing Agreement

	/s/ Framework Ventures IV L.P., By: Framework Ventures IV GP LLC, its general partner, By: /s/ John DiCerbo, Name: John DiCerbo, as attorney-in-fact for Michael Ernest Anderson, Manager	03/11/2026
	/s/ Framework Ventures Management LLC, By: /s/ John DiCerbo, Name: John DiCerbo, as attorney-in-fact for Michael Ernest Anderson, Managing Member	03/11/2026
	/s/ Framework Ventures IV GP LLC, By: /s/ John DiCerbo, Name: John DiCerbo, as attorney-in-fact for Michael Ernest Anderson, Manager	03/11/2026
	/s/ John DiCerbo, Name: John DiCerbo, as attorney-in-fact for Michael Ernest Anderson	03/11/2026
	/s/ John DiCerbo, Name: John DiCerbo, as attorney-in-fact for Vance Spencer	03/11/2026
	/s/ Framework Labs, Inc., By: /s/ John DiCerbo, Name: John DiCerbo, as attorney-in-fact for Michael Ernest Anderson, Director	03/11/2026
	** Signature of Reporting Person	Date
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 5 (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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

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Date

Price Target

Rating

Analyst

10/6/2025

Market Perform

Northland Capital

Table I - Non-Derivative Securities Beneficially Owned

1. Title of Security (Instr. 4)

2. Amount of Securities Beneficially Owned (Instr. 4)

3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)

4. Nature of Indirect Beneficial Ownership (Instr. 5)

Common Stock

571,908

See Footnote⁽³⁾

Common Stock

247,450

See Footnote⁽⁴⁾

Common Stock

121,150

See Footnote⁽⁵⁾

Table II - Derivative Securities Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)

2. Date Exercisable and Expiration Date (Month/Day/Year)

3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)

4. Conversion or Exercise Price of Derivative Security

5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)

6. Nature of Indirect Beneficial Ownership (Instr. 5)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Warrants (right to buy)

⁽¹⁾⁽²⁾

02/17/2027

Common Stock

211,312⁽¹⁾⁽²⁾

⁽¹⁾⁽²⁾

See Footnote⁽³⁾

Date

Price Target

Rating

Analyst

10/6/2025

Market Perform

Northland Capital

New insider Framework Ventures Iv L.P. claimed ownership of 940,508 shares (SEC Form 3)

Crush Q1 2026 with the Best AI Superconnector

Recent Analyst Ratings for
$BETR

New insider Framework Ventures Iv L.P. claimed ownership of 940,508 shares (SEC Form 3)

Crush Q1 2026 with the Best AI Superconnector

Recent Analyst Ratings for
$BETR

$BETR
Insider Purchases

Large owner Framework Ventures Iv L.P. bought $1,212,689 worth of shares (31,598 units at $38.38) and exercised 211,312 in-the-money shares at a strike of $27.12 (SEC Form 4)

Director Menon Bhaskar bought $50,910 worth of shares (1,500 units at $33.94) (SEC Form 4)

Director Narasimhan Prabhu bought $597,163 worth of shares (42,352 units at $14.10), increasing direct ownership by 241% to 59,915 units (SEC Form 4)

$BETR
Press Releases

Better Announces First Conversational Credit Decision Engine in ChatGPT with OpenAI

Better Home & Finance Holding Company to Announce Fourth Quarter and Full Year 2025 Results

ElevenLabs and Better.com Showcase Success of AI Loan Agent, Betsy™, at Scale in Financial Services

$BETR
Insider Trading

Large owner Framework Ventures Iv L.P. bought $1,212,689 worth of shares (31,598 units at $38.38) and exercised 211,312 in-the-money shares at a strike of $27.12 (SEC Form 4)