SEC FORM 3

SEC FORM 3 SEC 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

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

PBRA, LLC

(Last)

(First)

(Middle)

C/O PINE BROOK ROAD PARTNERS, LLC

60 EAST 42ND STREET, SUITE 3014

(Street)

NEW YORK

10165

(City)

(State)

(Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
08/22/2023

3. Issuer Name and Ticker or Trading Symbol
Better Home & Finance Holding Co [ BETR ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

Director	X	10% Owner
Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

	Form filed by One Reporting Person
X	Form filed by More than One Reporting Person

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)

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: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Class B Common Stock	⁽¹⁾⁽²⁾	⁽¹⁾⁽²⁾	Class A Common Stock	49,783,028	⁽¹⁾⁽²⁾	I	By Pine Brook Capital Partners II, L.P.⁽³⁾

1. Name and Address of Reporting Person^*

PBRA, LLC

(Last)

(First)

(Middle)

C/O PINE BROOK ROAD PARTNERS, LLC

60 EAST 42ND STREET, SUITE 3014

(Street)

NEW YORK

10165

(City)

(State)

(Zip)

1. Name and Address of Reporting Person^*

Pine Brook Road Associates II, L.P.

(Last)

(First)

(Middle)

C/O PINE BROOK ROAD PARTNERS, LLC

60 EAST 42ND STREET, SUITE 3014

(Street)

NEW YORK

10165

(City)

(State)

(Zip)

1. Name and Address of Reporting Person^*

Pine Brook Capital Partners II, L.P.

(Last)

(First)

(Middle)

C/O PINE BROOK ROAD PARTNERS, LLC

60 EAST 42ND STREET, SUITE 3014

(Street)

NEW YORK

10165

(City)

(State)

(Zip)

1. Name and Address of Reporting Person^*

NEWMAN HOWARD H

(Last)

(First)

(Middle)

C/O PINE BROOK ROAD PARTNERS, LLC

60 EAST 42ND STREET, SUITE 3014

(Street)

NEW YORK

10165

(City)

(State)

(Zip)

1. Name and Address of Reporting Person^*

Pine Brook Road Advisors, L.P.

(Last)

(First)

(Middle)

C/O PINE BROOK ROAD PARTNERS, LLC

60 EAST 42ND STREET, SUITE 3014

(Street)

NEW YORK

10165

(City)

(State)

(Zip)

Explanation of Responses:

1. Each share of Class B Common Stock is convertible at any time at the option of the holder 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: (i) in connection with any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) on the trading day falling on or immediately after the date on which 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, (continued in Footnote 2)

2. (Continued from Footnote 1) (iii) on the trading day falling on or immediately after the affirmative vote of 85% of the voting power of the then outstanding shares of Class B Common Stock, voting as a single class; and (iv) on any trading day specified by the board of directors of Better Home & Finance Holding Company ("Better") no less than sixty nor more than 180 days following the date of the death or permanent disability of Better's founder.

3. Pine Brook Road Associates II, L.P. ("PBRA II") is the general partner of Pine Brook Capital Partners II, L.P. PBRA, LLC is the general partner of PBRA II. Pine Brook Road Advisors, L.P. controls the investment advisor of Pine Brook Capital Partners II, L.P. PBRA, LLC is the general partner of Pine Brook Road Advisors, L.P. Howard Newman is the managing member of PBRA, LLC. Each of the Reporting Persons disclaims beneficial ownership of the securities reported herein except to the extent of its or his pecuniary interest therein, and the inclusion of these securities in this report shall not be deemed an admission of beneficial ownership of all of the reported securities for purposes of Section 16 or for any other purpose.

Remarks:

	PBRA, LLC, By: /s/ Howard Newman, Chairman, Chief Executive Officer	08/24/2023
	Pine Brook Road Associates II, L.P., By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer	08/24/2023
	Pine Brook Capital Partners II, L.P., By: Pine Brook Associates II, L.P., its General Partner, By: PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer	08/24/2023
	/s/ Howard Newman	08/24/2023
	Pine Brook Road Advisors, L.P., By PBRA, LLC, its General Partner, By: /s/ Howard Newman, Chairman, Chief Executive Officer	08/24/2023
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* 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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

SEC Form 3 filed by new insider Pbra, Llc