Initial Statement of Beneficial Ownership (Form 3)

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * Orn Jonsson Sigurgeir 2. Date of Event Requiring Statement (Month/Day/Year) 03/12/2026 3. Issuer Name and Ticker or Trading Symbol Better Home & Finance Holding Co [BETR] (Last) (First) (Middle) C/O BH&FHC, ONE WORLD TRADE CENTER, 285 FULTON STREET, FLR. 80, SUITE A 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Chief Technology Officer 5. If Amendment, Date Original Filed (Month/Day/Year) (Street) NEW YORK, NY 10007 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Beneficially Owned

1.Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Class A Common Stock 3,906 D

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Class B Common Stock	(1)	(1)	Class A Common Stock	104,197	(1)	D
Class B Common Stock	(1)	(1)	Class A Common Stock	62,074	(1)	I	By Family Trust(2)
Class B Common Stock	(1)	(1)	Class A Common Stock	63,850	(1)	I	By Descendants Trust(3)
Restricted Stock Units (Class A)	(4)	(4)	Class A Common Stock	58,594	(4)	D
Restricted Stock Units (Class A)	(5)	(5)	Class A Common Stock	57,500	(5)	D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Orn Jonsson Sigurgeir C/O BH&FHC, ONE WORLD TRADE CENTER 285 FULTON STREET, FLR. 80, SUITE A NEW YORK, NY 10007			Chief Technology Officer

Signatures

/s/ Andrew Holt, Attorney-in-Fact		04/06/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(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).
(1)	Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuers amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of the Issuer's founder.
(2)	The shares are directly held by a trust, of which the Reporting Person's spouse is a co-trustee and a beneficiary.
(3)	The shares are directly held by a trust, of which the Reporting Person is a co-trustee and a beneficiary.
(4)	Each restricted stock unit ("RSU") represents a contingent right to receive one share of the Issuer's Class A Common Stock. The RSUs were granted on February 11, 2026 and vest quarterly over four years in 16 nearly equal installments, subject to the Reporting Person's continued service with the Issuer.
(5)	The RSUs are subject to both performance- and time-based vesting criteria. The performance-based criteria provides for the achievement of specified stock price goals of the Issuer's Class A common stock occuring during the period beginning on October 1, 2025 and ending on December 31, 2030 (the "Performance Period"). 25% of the RSUs shall time vest on the one year anniversary of the grant date and the remainder of the RSUs shall time vest quarterly over the following 36 months, subject to the Reporting Person's continued service with the Issuer. In the event the performance criteria is not met during the Performance Period, the RSUs shall be forfeited. Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock.
Remarks: Exhibit 24.1 - Power of Attorney

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