Entry into a Material Definitive Agreement · Termination of a Material Definitive Agreement · Material Modification to Rights of Security Holders · Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
Item 1.01 Entry into a Material Definitive Agreement. Effective October 6, 2026, Better Home & Finance Holding Company (the “Company”) and Computershare Trust Company, N.A., as rights agent (the “Rights Agent”), entered into Amendment No. 1 (the “Amendment”) to that certain Rights Agreement, dated as of August 20, 2026 (the “Rights Agreement”), by and between the Company and the Rights Agent.…
Filed Oct 8, 2026Accepted Oct 8, 2026, 4:32 PM EDTCIK 1835856Accession 0001628280-26-065460
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.
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Item 1.01Item 1.01 - Entry into Material Agreement
Item 1.01 Entry into a Material Definitive Agreement.
Effective October 6, 2026, Better Home & Finance Holding Company (the “Company”) and Computershare Trust Company, N.A., as rights agent (the “Rights Agent”), entered into Amendment No. 1 (the “Amendment”) to that certain Rights Agreement, dated as of August 20, 2026 (the “Rights Agreement”), by and between the Company and the Rights Agent.
The Amendment accelerates the expiration of the rights to purchase shares of the Company’s Class A common stock, Class B common stock and Class C common stock issued pursuant to the Rights Agreement (the “Rights”) from the date of the Company’s 2027 annual meeting of stockholders to the close of business on October 6, 2026. Accordingly, at the close of business on October 6, 2026, all outstanding Rights expired and were no longer exercisable, and the Rights Agreement terminated. No shares of the Company’s Series A Junior Participating Preferred Stock, par value $0.0001 per share (the “Preferred Shares”), were issued or outstanding at the time the Amendment was entered into.
The foregoing description of the Amendment does not purport to be complete and is qualified in its entirety by reference to the full text of the Amendment, a copy of which is attached as Exhibit 4.1 hereto and incorporated herein by reference.
Item 1.02Item 1.02 - Termination of Material Agreement
Item 1.02 Termination of a Material Definitive Agreement.
The information set forth under Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.
Item 3.03Item 3.03 - Material Modification to Rights
Item 3.03 Material Modification to Rights of Security Holders.
The information set forth under Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.
In connection with the adoption of the Rights Agreement, on August 20, 2026, the Company filed a Certificate of Designation with the Secretary of State of the State of Delaware (the “Secretary of State”) establishing the Preferred Shares issuable upon exercise of the Rights. On October 7, 2026, following the expiration of the Rights and termination of the Rights Agreement, the Company filed a Certificate of Elimination with the Secretary of State eliminating the Preferred Shares and returning the shares designated as Preferred Shares to the status of authorized but unissued and undesignated shares of the Company’s preferred stock.
The foregoing description of the Certificate of Elimination is qualified in its entirety by reference to the Certificate of Elimination, a copy of which is filed as Exhibit 3.1 to this Current Report on Form 8-K and incorporated herein by reference.
Item 5.03Item 5.03 - Amendments to Articles/Bylaws
Item 5.03. Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.
The information set forth under Item 3.03 of this Current Report on Form 8-K is incorporated herein by reference.