{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-038791","form_type":"8-K","ticker":"BETR","cik":"0001835856","company_name":"Better Home & Finance Holding Co","filed_at":"2023-11-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.898483+00:00","generated_at":"2026-06-08T03:59:05.668647+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Better Home & Finance Q3 net loss $340M, revenue $16.4M; guides Q4 funded volume ~$500M","bullets":["Revenue $16.4M, net loss $340.0M, Adjusted EBITDA loss $54.4M for Q3 2023.","Closed de-SPAC business combination, unlocking ~$565M fresh capital; cash $584M at quarter end.","Funded loan volume $731M across 2,067 loans; gain on sale margin 1.94%.","Q4 2023 guidance: funded loan volume approximately $500M, with continued expense management.","HELOC business grew to 326 funded loans in first nine months of 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-038791","json":"https://secwatch.observer/filing/0001628280-23-038791.json","markdown":"https://secwatch.observer/filing/0001628280-23-038791.md","text":"https://secwatch.observer/filing/0001628280-23-038791.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1835856/000162828023038791/0001628280-23-038791-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1835856/000162828023038791/betr-20231114.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T03:59:05.668647+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"3d3b5bd30a7576da529977736501dd9719e2b061","claim":"Better Home & Finance Holding Co reported for the three and nine months ended September 30, 2023 results: revenue $16.4 million and $67.6 million, net income $340.0 million and $475.4 million.","evidence_excerpt":"Revenue was $16.4 million and $67.6 million in the three and nine months ended September 30, 2023, respectively. Net loss was $340.0 million and $475.4 million in the three and nine months ended September 30, 2023, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1835856/000162828023038791/0001628280-23-038791-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the three and nine months ended September 30, 2023"},{"label":"Revenue","value":"$16.4 million and $67.6 million"},{"label":"Net income","value":"$340.0 million and $475.4 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}