# EDGAR Filing Document

**Accession Number:** 0001774259
**File Stem:** 0000905148-25-003404
**Filing Date:** 2025-9
**Character Count:** 20907
**Document Hash:** fa58e8fe00e3010df9c4a108657c8a62
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000905148-25-003404.hdr.sgml**: 20250924

**ACCESSION NUMBER**: 0000905148-25-003404

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20250922

**FILED AS OF DATE**: 20250924

**DATE AS OF CHANGE**: 20250924

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** NEWMAN HOWARD H
- **CENTRAL INDEX KEY:** 0001013026

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-40143
- **FILM NUMBER:** 251339931

**MAIL ADDRESS:**
- **STREET 1:** C/O PINE BROOK ROAD PARTNERS, LLC
- **STREET 2:** 60 EAST 42ND STREET, SUITE 3014
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10165
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Pine Brook Capital Partners II, L.P.
- **CENTRAL INDEX KEY:** 0001556984

**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:** 251339930

**BUSINESS ADDRESS:**
- **STREET 1:** 60 EAST 42ND STREET, SUITE 3014
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10165
- **BUSINESS PHONE:** 212-847-4333

**MAIL ADDRESS:**
- **STREET 1:** 60 EAST 42ND STREET, SUITE 3014
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10165
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** PBRA, LLC
- **CENTRAL INDEX KEY:** 0001615816

**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:** 251339933

**BUSINESS ADDRESS:**
- **STREET 1:** C/O PINE BROOK ROAD PARTNERS, LLC
- **STREET 2:** 60 EAST 42ND STREET, SUITE 3014
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10165
- **BUSINESS PHONE:** (212) 847-4335

**MAIL ADDRESS:**
- **STREET 1:** C/O PINE BROOK ROAD PARTNERS, LLC
- **STREET 2:** 60 EAST 42ND STREET, SUITE 3014
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10165
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Pine Brook Road Advisors, L.P.
- **CENTRAL INDEX KEY:** 0001630691

**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:** 251339929

**BUSINESS ADDRESS:**
- **STREET 1:** 346 PINE BROOK ROAD
- **CITY:** BEDFORD
- **STATE:** NY
- **ZIP:** 10506
- **BUSINESS PHONE:** 212-847-4373

**MAIL ADDRESS:**
- **STREET 1:** 346 PINE BROOK ROAD
- **CITY:** BEDFORD
- **STATE:** NY
- **ZIP:** 10506

**FORMER NAME:**
- **FORMER CONFORMED NAME:** Pine Brook Road Advisors, LP
- **DATE OF NAME CHANGE:** 20150113
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Pine Brook Road Associates II, L.P.
- **CENTRAL INDEX KEY:** 0001774259

**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:** 251339932

**BUSINESS ADDRESS:**
- **STREET 1:** C/O PINE BROOK ROAD PARTNERS, LLC
- **STREET 2:** 60 EAST 42ND STREET, SUITE 3014
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10165
- **BUSINESS PHONE:** 212-847-4333

**MAIL ADDRESS:**
- **STREET 1:** C/O PINE BROOK ROAD PARTNERS, LLC
- **STREET 2:** 60 EAST 42ND STREET, SUITE 3014
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10165
**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

[x] 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>PBRA, LLC<br><sub>(Last) (First) (Middle)</sub><br>C/O PINE BROOK ROAD PARTNERS, LLC<br>60 EAST 42ND STREET, SUITE 3014<br><sub>(Street)</sub><br>NEW YORK, NY 10165<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-09-22 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **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>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Pine Brook Road Associates II, L.P.<br><sub>(Last) (First) (Middle)</sub><br>C/O PINE BROOK ROAD PARTNERS, LLC<br>60 EAST 42ND STREET, SUITE 3014<br><sub>(Street)</sub><br>NEW YORK, NY 10165<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-09-22 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **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>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>NEWMAN HOWARD H<br><sub>(Last) (First) (Middle)</sub><br>C/O PINE BROOK ROAD PARTNERS, LLC<br>60 EAST 42ND STREET, SUITE 3014<br><sub>(Street)</sub><br>NEW YORK, NY 10165<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-09-22 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **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>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Pine Brook Capital Partners II, L.P.<br><sub>(Last) (First) (Middle)</sub><br>60 EAST 42ND STREET, SUITE 3014<br><sub>(Street)</sub><br>NEW YORK, NY 10165<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-09-22 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **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>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Pine Brook Road Advisors, L.P.<br><sub>(Last) (First) (Middle)</sub><br>346 PINE BROOK ROAD<br><sub>(Street)</sub><br>BEDFORD, NY 10506<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-09-22 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **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>[ ] Form filed by One Reporting Person<br>[X] 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 | 2025-09-22 |  | S |  | 453511 | D | $47 | 542149<sup>(1)</sup> | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 166900 | D | 50.1475<sup>(3)</sup> | 375249 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 72809 | D | 51.6026<sup>(4)</sup> | 302440 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 81981 | D | 52.3636<sup>(5)</sup> | 220459 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 36195 | D | 53.2332<sup>(6)</sup> | 184264 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 44884 | D | 54.5767<sup>(7)</sup> | 139380 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 62188 | D | 55.3263<sup>(8)</sup> | 77192 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 11547 | D | 56.2179<sup>(9)</sup> | 65645 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 41214 | D | 57.4293<sup>(10)</sup> | 24431 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 3452 | D | 58.1518<sup>(11)</sup> | 20979 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 14528 | D | $60 | 6451 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 4673 | D | 67.5437<sup>(12)</sup> | 1778 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 100 | D | $68.74 | 1678 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |
| Class A Common Stock | 2025-09-22 |  | S |  | 1678 | D | $75 | 0 | I | By Pine Brook Capital Partners II, L.P.<sup>(2)</sup> |

---

## 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 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

### Footnotes:

(1) This number has been adjusted to reflect the 1-for-50 reverse stock split the Issuer effected on August 16, 2024.

(2) Pine Brook Road Associates II, L.P. ("PBRA II") is the general partner of Pine Brook Capital Partners II, L.P. PBRA, LLC is the general partner of PBRA II. Pine Brook Road Advisors, L.P. controls the investment advisor of Pine Brook Capital Partners II, L.P. PBRA, LLC is the general partner of Pine Brook Road Advisors, L.P. Howard Newman is the managing member of PBRA, LLC. Each of the Reporting Persons disclaims beneficial ownership of the securities reported herein except to the extent of its or his pecuniary interest therein, and the inclusion of these securities in this report shall not be deemed an admission of beneficial ownership of all of the reported securities for purposes of Section 16 or for any other purpose.

(3) This price reflects a weighted average sale price for open-market sales of Class A Common Stock ("Shares") made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $50.00 to $50.985, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (3).

(4) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $51.00 to $51.9975, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (4).

(5) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $52.00 to $52.99, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (5).

(6) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $53.00 to $53.945, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (6).

(7) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $54.00 to $54.99, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (7).

(8) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $55.00 to $55.98, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (8).

(9) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $56.00 to $56.91, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (9).

(10) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $57.035 to $58.01, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (10).

(11) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $58.07 to $58.51, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (11).

(12) This price reflects a weighted average sale price for open-market sales of Shares made by the Reporting Persons on September 22, 2025, within a $1.00 range. The actual prices for these transactions range from $67.50 to $68.01, inclusive. The Reporting Persons undertake to provide upon request by the staff of the Securities and Exchange Commission, the Issuer, or a security holder of the Issuer, full information regarding the number of Shares sold at each separate price within the range set forth in footnote (12).

**Signature:** PBRA, LLC, By: /s/ Howard Newman, Chairman, Chief Executive Officer  
**Date:** 2025-09-24

**Signature:** Pine Brook Road Associates II, L.P., By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer  
**Date:** 2025-09-24

**Signature:** /s/ Howard Newman  
**Date:** 2025-09-24

**Signature:** Pine Brook Capital Partners II, L.P., By: Pine Brook Road Associates II, L.P., its General Partner, By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer  
**Date:** 2025-09-24

**Signature:** Pine Brook Road Advisors, L.P., By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer  
**Date:** 2025-09-24

### 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.**