# EDGAR Filing Document

**Accession Number:** 0001835856
**File Stem:** 0001628280-25-038028
**Filing Date:** 2025-8
**Character Count:** 10196
**Document Hash:** 409e648a772852895be969388c8cc0a2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001628280-25-038028.hdr.sgml**: 20250805

**ACCESSION NUMBER**: 0001628280-25-038028

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20250528

**FILED AS OF DATE**: 20250805

**DATE AS OF CHANGE**: 20250805

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Nicholas J. Calamari
- **CENTRAL INDEX KEY:** 0001614749

**ORGANIZATION NAME:**
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-40143
- **FILM NUMBER:** 251186791

**BUSINESS ADDRESS:**
- **STREET 1:** 450 PARK AVE
- **STREET 2:** STE. 2702
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 6466883250

**MAIL ADDRESS:**
- **STREET 1:** 450 PARK AVE
- **STREET 2:** STE. 2702
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Better Home & Finance Holding Co
- **CENTRAL INDEX KEY:** 0001835856
- **STANDARD INDUSTRIAL CLASSIFICATION:** LOAN BROKERS [6163]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 933029990
- **FISCAL YEAR END:** 1231

**BUSINESS ADDRESS:**
- **STREET 1:** 3 WORLD TRADE CENTER
- **STREET 2:** 175 GREENWICH STREET, 57TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10007
- **BUSINESS PHONE:** 646-839-0086

**MAIL ADDRESS:**
- **STREET 1:** 3 WORLD TRADE CENTER
- **STREET 2:** 175 GREENWICH STREET, 57TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10007

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Aurora Acquisition Corp.
- **DATE OF NAME CHANGE:** 20201211

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Aurora Capital Holding Corp.
- **DATE OF NAME CHANGE:** 20201209

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

## FORM 4

### STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

[ ] Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Nicholas J. Calamari<br><sub>(Last) (First) (Middle)</sub><br>C/O BETTER HOME & FINANCE HOLDING CO<br>1 WORLD TRADE CENTER, 80TH FLOOR SUITE A<br><sub>(Street)</sub><br>NEW YORK, NY 10007<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-05-28 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [ ] 10% Owner<br>[X] Officer (give title below) [ ] Other (specify below)<br>_CAO and Senior Counsel_ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>Better Home & Finance Holding Co [ BETR ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | 3. Transaction Code (V) | 3. Transaction Code (V) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | Code | V | Amount | (A) or (D) | Price | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| Class A Common Stock | 2025-07-01 |  | M |  | 9500 | A | $0 | 9500 | D |  |
| Class A Common Stock | 2025-07-01 |  | F |  | 3829 | D | $12.48 | 5671 | D |  |
| Class A Common Stock | 2025-08-01 |  | M |  | 3166 | A | $0 | 8837 | D |  |
| Class A Common Stock | 2025-08-01 |  | F |  | 1276 | D | $13.35 | 7561 | D |  |

---

## Table II - Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | 4. Transaction Code (V) | 4. Transaction Code (V) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 6. Date Exercisable and Expiration Date | 6. Date Exercisable and Expiration Date | 7. Title and Amount of Underlying Securities | 7. Title and Amount of Underlying Securities | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | Code | V | (A) | (D) | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| Restricted Stock Units (Class A) | <sup>(1)</sup> | 2025-05-28 |  | A |  | 38000 |  | <sup>(2)</sup> | <sup>(2)</sup> | Class A Common Stock | 38000 | $0 | 38000 | D |  |
| Restricted Stock Units (Class A) | <sup>(1)</sup> | 2025-07-01 |  | M |  |  | 9500 | <sup>(2)</sup> | <sup>(2)</sup> | Class A Common Stock | 9500 | $0 | 28500 | D |  |
| Restricted Stock Units (Class A) | <sup>(1)</sup> | 2025-08-01 |  | M |  |  | 3166 | <sup>(2)</sup> | <sup>(2)</sup> | Class A Common Stock | 3166 | $0 | 25334 | D |  |
| Class B Common Stock | <sup>(3)</sup> | 2025-07-01 |  | M |  | 636 |  | <sup>(3)</sup> | <sup>(3)</sup> | Class A Common Stock | 636 | $0 | 127437 | D |  |
| Class B Common Stock | <sup>(3)</sup> | 2025-07-01 |  | F |  |  | 257 | <sup>(3)</sup> | <sup>(3)</sup> | Class A Common Stock | 257 | $12.48 | 127180 | D |  |
| Restricted Stock Units (Class B) | <sup>(4)</sup> | 2025-07-01 |  | M |  |  | 636 | <sup>(5)</sup> | <sup>(5)</sup> | Class B Common Stock | 636 | $0 | 642 | D |  |
| Class B Common Stock | <sup>(3)</sup> | 2025-08-01 |  | M |  | 638 |  | <sup>(3)</sup> | <sup>(3)</sup> | Class A Common Stock | 638 | $0 | 127818 | D |  |
| Class B Common Stock | <sup>(3)</sup> | 2025-08-01 |  | F |  |  | 258 | <sup>(3)</sup> | <sup>(3)</sup> | Class A Common Stock | 258 | $13.35 | 127560 | D |  |
| Restricted Stock Units (Class B) | <sup>(4)</sup> | 2025-08-01 |  | M |  |  | 638 | <sup>(5)</sup> | <sup>(5)</sup> | Class B Common Stock | 638 | $0 | 4 | D |  |
| Class B Common Stock | <sup>(3)</sup> |  |  |  |  |  |  | <sup>(3)</sup> | <sup>(3)</sup> | Class A Common Stock | 24458 |  | 24458 | I | By the Nicholas J. Calamari Family Trust |
| Class B Common Stock | <sup>(3)</sup> |  |  |  |  |  |  | <sup>(3)</sup> | <sup>(3)</sup> | Class A Common Stock | 24458 |  | 24458 | I | By the Anika G Austin Descendants Trust |

---

### Footnotes:

(1) Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock.

(2) 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.

(3) 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 Issuers 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 Betters founder.

(4) Each restricted stock unit represents a contingent right to receive one share of the Issuers Class B Common Stock.

(5) The restricted stock units were granted on October 1, 2022, and will vest subject to both time- and liquidity-based criteria. Under the time-based criteria, the Reporting Person was vested in 14/48thsof the restricted stock units on the grant date and the remaining restricted stock units will vest in equal 1/48ths of the restricted stock units on the first business day of each month such that the restricted stock units will be fully vested as of August 1, 2025, subject to the Reporting Persons continued employment. The liquidity-based criteria was satisfied on August 22, 2023 upon the consummation of the business combination between the Issuer (f/k/a Aurora Acquisition Corp), Aurora Merger Sub I, Inc. and Better HoldCo, Inc.

**Signature:** /s/ Andrew Holt as attorney-in-fact  
**Date:** 2025-08-05

### Remarks:

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.**