Better Home & Finance Holding Co-A 2026年季度报告

For the quarterly period ended March 31, 2026orTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-40143Better Home & Finance Holding Company 93-3029990 Delaware (State or other jurisdiction of incorporation ororganization) (I.R.S. Employer Identification No.) 1 World Trade Center285 Fulton Street, 80th Floor, Suite ANew York, NY 10007(Address of principal executive offices, including Zip Code)(415) 522-8837(Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) hasbeen subject to such filing requirements for the past 90 days.YesNoIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files).YesNoIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).YesNoAs of May 1, 2026, there were 13,086,244 shares of Class A common stock, 4,346,034 shares of Class B common stock and 1,437,545shares of Class C common stock of the registrant issued and outstanding. TABLE OF CONTENTS Part I - Financial Information1Item 1. Financial Statements1Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations33Item 3. Quantitative and Qualitative Disclosures About Market Risk49Item 4. Controls and Procedures49Part II - Other Information50Item 1. Legal Proceedings50Item 1A. Risk Factors51Item 2. Unregistered Sales of Equity Securities and Use of Proceeds51Item 3. Defaults Upon Senior Securities52Item 4. Mine Safety Disclosures52Item 5. Other Information52Item 6. Exhibits53Signatures54 CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS This quarterly report on Form 10-Q (the “Quarterly Report”) of Better Home & Finance Holding Company (the “Company,”“Better,” “we,” “our” or “us”) contains certain forward-looking statements within the meaning of the Private Securities Litigation ReformAct of 1995.We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statementscontained in Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Actof 1934, as amended (the “Exchange Act”). Such statements can be identified by the fact that they do not relate strictly to historical orcurrent facts. In some cases, you can identify forward-looking statements by terminology such as “believe,” “may,” “will,” “estimate,”“potential,” “continue,” “anticipate,” “intend,” “expect,” “could,” “would,” “project,” “plan,” “target,” or the negatives of these terms orvariations of them or similar terminology, although not all forward-looking statements contain such identifying words. They may appear ina number of places throughout this Quarterly Report, including Part I, Item 2, “Management’s Discussion and Analysis of FinancialCondition and Results of Operations” and include statements regarding our intentions, beliefs or current expectations concerning, amongother things, our future results of operations, financial condition and liquidity, the divestiture of international-based assets, includingBirmingham Bank, further equity issuances and our intended use of net proceeds from our issuances of equity securities. Such forward-looking statements are based on management’s current expectations and assumptions about future events and are based on currentlyavailable information as to the outcome and timing of future events. Except as otherwise required by applicable law, we disclaim any dutyto update any forward-looking statements, all of which are expressly qualified by the statements in this section, to reflect events orcircumstances after the date of this Quarterly Report. These forward-looking statements involve a number of risks, uncertainties (some of which are beyond our control) or otherassumptions that may cause