secwatch / observer

Better Home & Finance Holding Co — fact timeline

Source-grounded facts extracted from Better Home & Finance Holding Co's SEC 8-K filings across all families, newest first. Each cites a verbatim SEC excerpt.

BETR Better Home & Finance Holding Co JSON
Shareholder Votes

Better Home & Finance Holding Co shareholders approved Ratification of Appointment of Independent Registered Public Accounting Firm at the 2026-06-10 meeting.

“Proposal 2 - Ratification of Appointment of Independent Registered Public Accounting Firm. The appointment of BDO USA, P.C. as the Company’s independent registered public accounting firm for the year ending December 31, 2026 was ratified. Votes For Votes Against Abstentions Broker Non-Votes 20,575,834 37,151 18,591 —”
Shareholder Votes

Better Home & Finance Holding Co shareholders approved Election of Directors at the 2026-06-10 meeting.

“Proposal 1 - Election of Directors . Each of the following nominees was elected to serve as a director for a term expiring at the next annual meeting of stockholders of the Company and until their successors are elected and qualified or until their earlier death, resignation, disqualification or removal. Name of Nominee Votes For Votes Against Abstentions Broker Non-Votes Harit Talwar 10,256,829 5,637,357 695,422 4,041,968 Vishal Garg 16,511,173 76,135 2,300 4,041,968 David Barse 14,619,686 1,964,621 5,301 4,041,968 Michael Farello 14,820,419 1,073,629 695,560 4,041,968 Hugh R. Frater 16,550,106 34,191 5,311 4,041,968 Arnaud Massenet 12,918,058 2,975,901 695,649 4,041,968 Bhaskar Menon 13,497,382 2,396,679 695,547 4,041,968 Prabhu Narasimhan 14,383,460 1,511,104 695,044 4,041,968”
Earnings Releases

Better Home & Finance Holding Co reported Q2 2026 results: revenue Total Net Revenues of $53.0 to $56.0 million. Guidance initiated.

“Provided guidance of Loan Volume of $1.575 to $1.725 billion, Total Net Revenues of $53.0 to $56.0 million, and Adjusted EBITDA of ($12.5) to ($14.0) million in Q2 2026.”
Earnings Releases

Better Home & Finance Holding Co reported Q1 2026 results: revenue Total Net Revenues of $48 million, net income Net Loss of $70 million.

“Total Net Revenues of $48 million, compared to $31 million in Q1 2025, reflecting 52% growth year over year. • Net Loss of $70 million, compared to a loss of $51 million in Q1 2025 reflecting a 39% increase year over year.”
Earnings Releases

Better Home & Finance Holding Co updated its the quarter ended March 31, 2026 guidance (reaffirmed).

“The Company reports preliminary Q1 2026 Funded Loan Volume for the quarter of $1.64B, an 89% year-over-year increase and exceeding the high end of the previously stated guidance range of $1.40B to $1.55B.”
Auditor Changes

Better Home & Finance Holding Co engaged BDO USA, P.C. as its auditor.

“Appointment of New Independent Registered Public Accounting Firm As a result of the comprehensive process noted above, on March 16, 2026, the Audit Committee appointed BDO USA, P.C. (“BDO”) as the Company’s new independent registered public accounting firm, to be effective upon the execution of an engagement letter following completion of BDO’s client acceptance procedures.”
Auditor Changes

Better Home & Finance Holding Co dismissed Deloitte & Touche LLP as its auditor.

“☐ Item 4.01 Changes in Registrant’s Certifying Accountant Dismissal of Former Independent Registered Public Accounting Firm The Audit Committee (the “Audit Committee”) of the Board of Directors of Better Home & Finance Holding Company (the “Company”) conducted a comprehensive process to determine the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2026. As a result of this process, following the review and evaluation of the proposals from participating firms, on March 16, 2026, the Audit Committee approved the dismissal of Deloitte & Touche LLP (“Deloitte”) as the Company’s independent registered public accounting firm.”
Earnings Releases

Better Home & Finance Holding Co reported the quarter ended December 31, 2025 results: revenue approximately $44 million, net income approximately $40 million. Guidance reaffirmed.

“Revenue of approximately $44 million, compared to approximately $25 million in Q4 2024 and $44 million in Q3 2025, demonstrating 77% growth year over year • Net loss of approximately $40 million, compared to a loss of approximately $59 million in Q4 2024 and a loss of $39 million in Q3 2025, demonstrating a 33% improvement year over year”
Material Agreements

Better Home & Finance Holding Co entered into Securities Purchase Agreement with Framework Ventures IV L.P. valued at $0.01 (effective 2026-02-17).

“On February 17, 2026, Better Home & Finance Holding Company (the “Company”) entered into a Securities Purchase Agreement (the “SPA”) with Framework Ventures IV L.P. (“Purchaser”).”
Debt Financings

Better Home & Finance Holding Co incurred senior notes of $155,000,000 in aggregate principal amount with SB Northstar LP at 6.00% per annum maturing December 31, 2028.

“On April 28, 2025 (the “Closing Date”), Better Home & Finance Holding Company (the “Company”) consummated (the “Closing”) the previously announced privately negotiated exchange with SB Northstar LP (the “Investor”), pursuant to which the Company issued $155,000,000 in aggregate principal amount of 6.00% Senior Secured Notes due 2028”

Riaz Valani resigned as Director at Better Home & Finance Holding Co.

“On March 11, 2025, Riaz Valani, a member of the Board of Directors (the “Board”) of Better Home & Finance Holding Company (the “Company”) since its inception, informed the Company of his resignation as a director, effective immediately.”
Earnings Releases

Better Home & Finance Holding Co reported financial results for the first quarter ended March 31, 2024.

“On May 13, 2024, Better Home & Finance Holding Company (the “Company”) issued a press release announcing the Company’s financial results for the quarter ended March 31, 2024.”
Listing & Compliance Notices

Better Home & Finance Holding Co received a nasdaq extension granted notice regarding minimum bid price (rules 5550(a)(2), 5810(c)(3)(A)).

“The Nasdaq Stock Market LLC (“Nasdaq”) granted the Company’s request for an additional 180-day period, or until October 7, 2024, (the “Extension Notice”) to evidence compliance with the $1.00 per share requirement for continued inclusion on The Nasdaq Capital Market pursuant to Nasdaq Listing Rule 5550(a)(2) (the “Bid Price Rule”). If at any time before October 7, 2024, the bid price of the Company’s Class A common stock, par value $0.0001 per share (the “Class A Common Stock”) closes at $1.00 per share or more for a minimum of ten consecutive business days, Nasdaq will provide the Company wi”
Earnings Releases

Better Home & Finance Holding Co reported the full year ended December 31, 2023 results: revenue Revenue of $77 million, net income Net loss of $534 million. Guidance initiated.

“Full Year 2023 Financial Highlights: GAAP Results: • Revenue of $77 million • Net loss of $534 million”
Earnings Releases

Better Home & Finance Holding Co reported the fourth quarter ended December 31, 2023 results: revenue Revenue of $9 million, net income Net loss of $59 million. Guidance initiated.

“Fourth Quarter 2023 Financial Highlights: GAAP Results: • Revenue of $9 million • Net loss of $59 million”
Listing & Compliance Notices

Better Home & Finance Holding Co received a nasdaq deficiency notice notice regarding minimum bid price (rules 5450(a)(1)).

“October 12, 2023, the Company received a letter from Nasdaq notifying the Company that the bid price of its Class A Common Stock had closed at less than $1.00 per share over the previous 30 consecutive business days, and, as a result, it was no longer in compliance with Listing Rule 5450(a)(1) (the “Bid Price Rule”). Therefore, in accordance with Listing Rule 5810(c)(3)(A), the Company was provided 180 calendar days, or until April 9, 2024, to regain compliance with the Bid Price Rule. In response, the Company filed an application to transfer the listing of its Class A Common Stock from the Na”
Earnings Releases

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.

“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.”
Listing & Compliance Notices

Better Home & Finance Holding Co received a nasdaq deficiency notice notice regarding minimum bid price (rules 5450(a)(1), 5810(c)(3)(A)).

“October 12, 2023, Better Home & Finance Holding Company (the “Company”) received a letter (the “Notice”) from the listing qualifications staff (the “Staff”) of The Nasdaq Stock Market LLC (“Nasdaq”) notifying the Company that it is not in compliance with the minimum bid price requirement set forth in Nasdaq Listing Rule 5450(a)(1) (the “Bid Price Rule”) for continued listing. The Bid Price Rule requires listed securities to maintain a minimum bid price of $1.00 per share, and Nasdaq Listing Rule 5810(c)(3)(A) (the “Compliance Period Rule”) provides that a failure to meet the minimum bid price”
Earnings Releases

Better Home & Finance Holding Co reported financial results for the quarter ended June 30, 2023.

“On August 28, 2022, the Company issued a press release announcing the Company’s financial results for the quarter ended June 30, 2023.”
Governance Changes

Better Home & Finance Holding Co: Company ceased being a shell company as a result of the transactions.

“As a result of the Transactions, the Company ceased being a shell company.”
Governance Changes

Better Home & Finance Holding Co: Adopted a new Code of Business Conduct and Ethics (effective 2023-08-22).

“on August 22, 2023, the Board approved and adopted a new Code of Business Conduct and Ethics applicable to all employees, officers and directors of Better Home & Finance.”
Governance Changes

Better Home & Finance Holding Co: Adoption of new Bylaws.

“The material terms of the Amended and Restated Certificate of Incorporation and the Bylaws and the general effect upon the rights of holders of Better Home & Finance’s capital stock are discussed in the sections titled “ Domestication Proposal ” beginning on page 248 and “ Organizational Documents Proposal ” beginning on page 251, which are incorporated by reference herein.”
Governance Changes

Better Home & Finance Holding Co: Filed Amended and Restated Certificate of Incorporation.

“Immediately prior to the consummation of the Business Combination, the Company filed the Amended and Restated Certificate of Incorporation with the Secretary of State of the State of Delaware.”
M&A Transactions

Better Home & Finance Holding Co underwent a change of control involving Better Holdco, Inc. (closed 2023-08-22).

“Following the Domestication, on August 22, 2023 (the "Closing Date"), as previously announced and as contemplated by the Merger Agreement, and as described in the section titled " BCA Proposal " beginning on page 198 of the Proxy Statement/Prospectus, Merger Sub merged with and into Better, with Better surviving the merger (the "First Merger") and Better merged with and into Aurora, with Aurora surviving the merger and changing its name to "Better Home & Finance Holding Company" (hereinafter referred to as "Better Home & Finance" or the "Company") (such merger, the "Second Merger," and together with the First Merger and the Domestication, the "Business Combination" and the completion thereof, the "Closing").”
Material Agreements

Better Home & Finance Holding Co entered into Indenture and Convertible Notes with SoftBank valued at $528,585,444 senior subordinated convertible notes bearing 1% interest, maturing August 15, 2028 (effective 2023-08-22).

“the Company issued and sold to SoftBank senior subordinated convertible notes in the aggregate principal amount of $528,585,444 (the "Convertible Notes") pursuant to an Indenture, dated as of August 22, 2023”
Material Agreements

Better Home & Finance Holding Co entered into Sponsor Purchase Agreement with Sponsor valued at Sponsor purchased 1.7 million shares of Class A common stock for $17 million (effective 2023-08-22).

“Item 1.01 Entry into a Material Definitive Agreement Registration Rights Agreement The Merger Agreement contemplates that, at the Closing, Aurora (as the surviving corporation), certain legacy Better Stockholders and the Sponsor would enter into an amended and restated registration rights agreement, a copy 3 of which was attached to the Proxy Statement/Prospectus.”
Material Agreements

Better Home & Finance Holding Co entered into Novator Exchange Agreement with Aurora, Better and the Sponsor valued at Sponsor exchanged Pre-Closing Bridge Note for 40,000,000 shares of Class A common stock at $2.50 per (effective 2023-08-22).

“Novator Exchange Agreement Pursuant to the letter agreement between Aurora, Better and the Sponsor dated as of August 26, 2022 (the “First Novator Letter Agreement”) and the letter agreement between Aurora, Better and the Sponsor dated as of February 7, 2023 (the “Second Novator Letter Agreement”), the parties thereto entered into a letter agreement dated as of August 22, 2023 (the “Novator Exchange Agreement”).”
Material Agreements

Better Home & Finance Holding Co entered into Amended and Restated Registration Rights Agreement with certain legacy Better Stockholders and the Sponsor valued at Registration rights agreement entered into at Closing (effective 2023-08-22).

“Item 1.01 Entry into a Material Definitive Agreement Registration Rights Agreement The Merger Agreement contemplates that, at the Closing, Aurora (as the surviving corporation), certain legacy Better Stockholders and the Sponsor would enter into an amended and restated registration rights agreement, a copy 3 of which was attached to the Proxy Statement/Prospectus.”

Paula Tuffin was appointed as General Counsel and Chief Compliance Officer at Better Home & Finance Holding Co.

“Effective as of the Closing, the Board appointed Mr. Garg to serve as Chief Executive Officer, Mr. Kevin Ryan to serve as Chief Financial Officer and President, Mr. Nicholas Calamari to serve as Chief Administrative Officer and Senior Counsel, and Ms. Paula Tuffin to serve as General Counsel and Chief Compliance Officer.”

Nicholas Calamari was appointed as Chief Administrative Officer and Senior Counsel at Better Home & Finance Holding Co.

“Effective as of the Closing, the Board appointed Mr. Garg to serve as Chief Executive Officer, Mr. Kevin Ryan to serve as Chief Financial Officer and President, Mr. Nicholas Calamari to serve as Chief Administrative Officer and Senior Counsel, and Ms. Paula Tuffin to serve as General Counsel and Chief Compliance Officer.”

Kevin Ryan was appointed as Chief Financial Officer and President at Better Home & Finance Holding Co.

“Effective as of the Closing, the Board appointed Mr. Garg to serve as Chief Executive Officer, Mr. Kevin Ryan to serve as Chief Financial Officer and President, Mr. Nicholas Calamari to serve as Chief Administrative Officer and Senior Counsel, and Ms. Paula Tuffin to serve as General Counsel and Chief Compliance Officer.”

Vishal Garg was appointed as Chief Executive Officer at Better Home & Finance Holding Co.

“Effective as of the Closing, the Board appointed Mr. Garg to serve as Chief Executive Officer, Mr. Kevin Ryan to serve as Chief Financial Officer and President, Mr. Nicholas Calamari to serve as Chief Administrative Officer and Senior Counsel, and Ms. Paula Tuffin to serve as General Counsel and Chief Compliance Officer.”

Riaz Valani was appointed as Director at Better Home & Finance Holding Co.

“Effective as of the Closing, Harit Talwar, Vishal Garg, Arnaud Massenet, Prabhu Narasimhan, Michael Farello, Steve Sarracino and Riaz Valani were appointed as directors of the Company”

Steve Sarracino was appointed as Director at Better Home & Finance Holding Co.

“Effective as of the Closing, Harit Talwar, Vishal Garg, Arnaud Massenet, Prabhu Narasimhan, Michael Farello, Steve Sarracino and Riaz Valani were appointed as directors of the Company”

Michael Farello was appointed as Director at Better Home & Finance Holding Co.

“Effective as of the Closing, Harit Talwar, Vishal Garg, Arnaud Massenet, Prabhu Narasimhan, Michael Farello, Steve Sarracino and Riaz Valani were appointed as directors of the Company”

Prabhu Narasimhan was appointed as Director at Better Home & Finance Holding Co.

“Effective as of the Closing, Harit Talwar, Vishal Garg, Arnaud Massenet, Prabhu Narasimhan, Michael Farello, Steve Sarracino and Riaz Valani were appointed as directors of the Company”

Arnaud Massenet was appointed as Director at Better Home & Finance Holding Co.

“Effective as of the Closing, Harit Talwar, Vishal Garg, Arnaud Massenet, Prabhu Narasimhan, Michael Farello, Steve Sarracino and Riaz Valani were appointed as directors of the Company”

Vishal Garg was appointed as Director at Better Home & Finance Holding Co.

“Effective as of the Closing, Harit Talwar, Vishal Garg, Arnaud Massenet, Prabhu Narasimhan, Michael Farello, Steve Sarracino and Riaz Valani were appointed as directors of the Company”

Harit Talwar was appointed as Director at Better Home & Finance Holding Co.

“Effective as of the Closing, Harit Talwar, Vishal Garg, Arnaud Massenet, Prabhu Narasimhan, Michael Farello, Steve Sarracino and Riaz Valani were appointed as directors of the Company”

Michael Edelstein departed as Director at Better Home & Finance Holding Co.

“Thor Björgólfsson, Shravin Mittal, Sangeeta Desai and Michael Edelstein ceased serving on the Company’s board of directors.”

Sangeeta Desai departed as Director at Better Home & Finance Holding Co.

“Thor Björgólfsson, Shravin Mittal, Sangeeta Desai and Michael Edelstein ceased serving on the Company’s board of directors.”

Shravin Mittal departed as Director at Better Home & Finance Holding Co.

“Thor Björgólfsson, Shravin Mittal, Sangeeta Desai and Michael Edelstein ceased serving on the Company’s board of directors.”

Caroline Harding resigned as Chief Financial Officer at Better Home & Finance Holding Co.

“Effective as of the Closing, each of Messrs. Björgólfsson and Massenet and Ms. Caroline Harding resigned as the Chairman, Chief Executive Officer and Chief Financial Officer, respectively.”

Arnaud Massenet resigned as Chief Executive Officer at Better Home & Finance Holding Co.

“Effective as of the Closing, each of Messrs. Björgólfsson and Massenet and Ms. Caroline Harding resigned as the Chairman, Chief Executive Officer and Chief Financial Officer, respectively.”

Thor Björgólfsson resigned as Chairman at Better Home & Finance Holding Co.

“Effective as of the Closing, each of Messrs. Björgólfsson and Massenet and Ms. Caroline Harding resigned as the Chairman, Chief Executive Officer and Chief Financial Officer, respectively.”
Governance Changes

Better Home & Finance Holding Co: The Company adopted new Bylaws (included as Exhibit 3.2) effective upon the Domestication on August 21, 2023 (effective 2023-08-21).

“Copies of the Amended and Restated Certificate of Incorporation and the Bylaws are included as Exhibit 3.1 and 3.2, respectively, to this Report and are incorporated herein by reference.”
Governance Changes

Better Home & Finance Holding Co: The Company filed an amended and restated certificate of incorporation following the Domestication on August 21, 2023, immediately prior to the Business Combination (effective 2023-08-21).

“Following the Domestication on August 21, 2023, immediately prior to the consummation of the Business Combination, the Company filed the Amended and Restated Certificate of Incorporation with the Secretary of State of the State of Delaware.”
Auditor Changes

Better Home & Finance Holding Co engaged Deloitte & Touche LLP as its auditor.

“On August 22, 2023, the Audit Committee approved the engagement of Deloitte & Touche LLP (“Deloitte”) as the Company’s independent registered public accounting firm”
Auditor Changes

Better Home & Finance Holding Co dismissed Marcum LLP as its auditor.

“On August 22, 2023, the Audit Committee dismissed Marcum LLP (“Marcum”), the Company’s independent registered public accounting firm prior to consummation of the Business Combination, as the Company’s independent registered public accounting firm.”
Debt Financings

Better Home & Finance Holding Co incurred convertible notes of $528,585,444 with SoftBank at 1% per annum maturing August 15, 2028.

“On August 22, 2023, the Company issued and sold to SoftBank senior subordinated convertible notes in the aggregate principal amount of $528,585,444 (the “Convertible Notes”) pursuant to an Indenture, dated as of August 22, 2023 (the “Indenture”), between the Company and GLAS Trust Company LLC, as trustee.”

Facts are extracted by an LLM and gated to those whose source quote is present verbatim in the filing text. Coverage is best-effort while backfill and monitoring mature; this is not yet a full-market index. See methodology.