Beneficial Ownership Report · SCHEDULE 13G/A
Better Home & Finance Holding Company
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Beneficial Ownership Report
Structured filing — SCHEDULE 13G/A
primary_doc.xml
Amendment · This filing reports the amendment as submitted.
Subject company
- Company
- Better Home & Finance Holding Company
- Company CIK
- 0001835856
- Street
- 1 World Trade Center
- Street (continued)
- 285 Fulton Street, 80th Floor, Suite A
- City
- New York
- State / country code
- NY
- Postal code
- 10007
Statement details
- Amendment number
- 1
- Security class
- Class A Common Stock, par value $0.0001 per share
- Event date
- 09/30/2026
- Rule designation
- Rule 13d-1(c)
Reporting person 1
- Name
- Integrated Core Strategies (US) LLC
- Citizenship / organization
- DE
- Reporting person type
- OO
- Aggregate amount owned
- 581,594.00
- Percent of class
- 4.4
- Sole voting power
- 0.00
- Shared voting power
- 581,594.00
- Sole dispositive power
- 0.00
- Shared dispositive power
- 581,594.00
- Aggregate excludes certain shares
- N
Reporting person 2
- Name
- Millennium Management LLC
- Citizenship / organization
- DE
- Reporting person type
- OO
- Aggregate amount owned
- 591,575.00
- Percent of class
- 4.5
- Sole voting power
- 0.00
- Shared voting power
- 591,575.00
- Sole dispositive power
- 0.00
- Shared dispositive power
- 591,575.00
- Aggregate excludes certain shares
- N
Reporting person 3
- Name
- Millennium Group Management LLC
- Citizenship / organization
- DE
- Reporting person type
- OO
- Aggregate amount owned
- 591,575.00
- Percent of class
- 4.5
- Sole voting power
- 0.00
- Shared voting power
- 591,575.00
- Sole dispositive power
- 0.00
- Shared dispositive power
- 591,575.00
- Aggregate excludes certain shares
- N
Reporting person 4
- Name
- Israel A. Englander
- Citizenship / organization
- X1
- Reporting person type
- IN
- Aggregate amount owned
- 591,575.00
- Percent of class
- 4.5
- Sole voting power
- 0.00
- Shared voting power
- 591,575.00
- Sole dispositive power
- 0.00
- Shared dispositive power
- 591,575.00
- Aggregate excludes certain shares
- N
Item 1
Issuer
Better Home & Finance Holding Company
Principal executive office address
1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A, New York, New York 10007
Item 2
Citizenship
Integrated Core Strategies (US) LLC - Delaware Millennium Management LLC - Delaware Millennium Group Management LLC - Delaware Israel A. Englander - United States
Filing person
Integrated Core Strategies (US) LLC Millennium Management LLC Millennium Group Management LLC Israel A. Englander
Principal business or residence address
Integrated Core Strategies (US) LLC c/o Millennium Management LLC 399 Park Avenue New York, New York 10022 Millennium Management LLC 399 Park Avenue New York, New York 10022 Millennium Group Management LLC 399 Park Avenue New York, New York 10022 Israel A. Englander c/o Millennium Management LLC 399 Park Avenue New York, New York 10022
Item 3
Not applicable indication
Y
Item 4
Percent of class
See response to Item 11 on each cover page. For each reporting person, the percent of the class reported herein as beneficially owned by such reporting person gives effect to shares deemed to be outstanding as provided in Rule 13d-3(d)(1)(i), if any, presuming that all those warrants to purchase shares of the class reported herein that are held or otherwise controlled by any reporting person are exercisable within sixty days of the date hereof.
Amount beneficially owned
See response to Item 9 on each cover page.
Sole voting power
See response to Item 5 on each cover page.
Shared voting power
See response to Item 6 on each cover page.
Sole dispositive power
See response to Item 7 on each cover page.
Shared dispositive power
See response to Item 8 on each cover page. The securities disclosed herein as potentially beneficially owned by Millennium Management LLC, Millennium Group Management LLC and Mr. Englander are held by entities subject to voting control and investment discretion by Millennium Management LLC and/or other investment managers that may be controlled by Millennium Group Management LLC (the managing member of Millennium Management LLC) and Mr. Englander (the sole voting trustee of the managing member of Millennium Group Management LLC). The foregoing should not be construed in and of itself as an admission by Millennium Management LLC, Millennium Group Management LLC or Mr. Englander as to beneficial ownership of the securities held by such entities.
Item 5
Not applicable indication
N
Ownership of 5% or less
Y
Item 6
Not applicable indication
Y
Item 7
Not applicable indication
Y
Item 8
Not applicable indication
Y
Item 9
Not applicable indication
Y
Item 10
Not applicable indication
N
Certifications
By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.
Exhibits
Exhibit I: Joint Filing Agreement, dated as of October 15, 2026, by and among Integrated Core Strategies (US) LLC, Millennium Management LLC, Millennium Group Management LLC and Israel A. Englander.
Signature comments
** INTEGRATED CORE STRATEGIES (US) LLC By: Integrated Holding Group LP, its Managing Member By: Millennium Management LLC, its General Partner
Signature 1
- Reporting person
- Integrated Core Strategies (US) LLC
- Signed
- /s/ Gil Raviv
- Title
- Gil Raviv, Global General Counsel
- Date
- 10/15/2026
Signature 2
- Reporting person
- Millennium Management LLC
- Signed
- /s/ Gil Raviv
- Title
- Gil Raviv, Global General Counsel
- Date
- 10/15/2026
Signature 3
- Reporting person
- Millennium Group Management LLC
- Signed
- /s/ Gil Raviv
- Title
- Gil Raviv, Global General Counsel
- Date
- 10/15/2026
Signature 4
- Reporting person
- Israel A. Englander
- Signed
- /s/ Israel A. Englander
- Title
- Israel A. Englander
- Date
- 10/15/2026
Filed exhibits
- EXHIBIT I ↗tm2627769d1_ex-1.htm
Company context
Better Home & Finance Holding Company (NASDAQ: BETR) is the first AI-native mortgage and home equity finance platform, and first fintech to fund more than $110 billion in loan volume. Better has leveraged its industry-leading AI platform, Tinman®, to achieve its singular mission of making homeownership cheaper, faster, and easier for all Americans. Tinman® allows customers to see their rate options in seconds, get pre-approved in minutes, lock in rates, and close their loan in as little as three weeks. In addition, Betsy™, the first AI loan agent built exclusively for the mortgage industry, revolutionizes the homebuying journey by answering questions, delivering approvals, comparing products, processing rate locks, and moving their loan application along to closing 24/7/365. Better’s mortgage offerings include GSE-conforming mortgage loans, FHA and VA loans, and jumbo mortgage and home equity loans. Better serves customers in all 50 US states and the United Kingdom.