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Form 3 Better Home & Finance For: Oct 05 Filed by: Sarracino Steven

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October 15, 2026 4:01 PM EDT
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
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OMB Number: 3235-0104
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hours per response: 0.5
1. Name and Address of Reporting Person *
Sarracino Steven
(Last) (First) (Middle)
C/O BETTER HOME & FINANCE HOLDING CO
1 WTC, 285 FULTON STREET, FLOOR 80, A
(Street)
NEW YORK NY 10007
(City) (State) (Zip)
2. Date of Event Requiring Statement (Month/Day/Year)
10/05/2026 		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)
X Director 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)
X Form filed by One Reporting Person
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)
Class A Common Stock 72,206
I
See footnotes (1) (6)
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
Class B Common Stock (2) (3)   (2) (3)   (2) (3) Class A Common Stock 1,217,972 (2) (3) I See footnotes (4) (5) (6)
Explanation of Responses:
1. The securities reported in this row are held for the account of Better Voyager Partners Limited, a Cayman Islands company limited by shares ("Better Voyager Partners"). Steven Sarracino (the "Reporting Person") is a director of the sole shareholder of Better Voyager Partners and is the sole manager and member of the ultimate general partner of the entity that controls the sole shareholder of Better Voyager Partners.
2. Each share of Class B Common Stock is convertible at any time at the option of the holder into one share of Class A Common Stock and has no expiration date.
3. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock, as further described in the Issuer's amended and restated certificate of incorporation: (i) upon the occurrence of any transfer, except for certain permitted transfers; (ii) at such time as the number of shares of Class B Common Stock outstanding ceases to represent at least 5% of the total number of shares of Common Stock outstanding; (iii) upon the vote of holders of Class B Common Stock representing at least 85% of the voting power of the outstanding Class B Common Stock; and (iv) on such date as specified by the Issuer's board of directors following the death or permanent disability of the Issuer's founder.
4. The securities reported in this row are held for the accounts of certain private limited partnerships (collectively, the "AV III Funds").
5. Activant Ventures Advisors III, LLC, a Delaware limited liability company ("AVA III LLC"), is the general partner of each of the AV III Funds. Activant Capital Management, LP, a Delaware limited partnership ("ACM LP"), is the investment advisor of each of the AV III Funds. The Reporting Person is the manager of AVA III LLC and the managing member of the general partner of ACM LP.
6. The Reporting Person disclaims beneficial ownership of the securities reported herein for purposes of Section 16 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), except to the extent of his pecuniary interest therein, if any. This report shall not be deemed an admission that the Reporting Person, AVA III LLC, ACM LP, or any other person is a beneficial owner of any such securities for purposes of Section 16 of the Exchange Act or for any other purpose.
/s/ Steven Sarracino 10/15/2026
** 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 4 (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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