Better Home & Finance Holding Co

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS

This annual report on Form 10-K (“Annual Report”) contains forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 that reflect future plans, business strategy, estimates, beliefs and expected performance. These statements constitute forward-looking statements, and are not guarantees of performance. Such statements can be identified by the fact that they do not relate strictly to historical or current facts. When used in this Annual Report, the words “could,” “should,” “will,” “may,” “believe,” “anticipate,” “intend,” “estimate,” “expect,” “project,” the negative of such terms and other similar expressions are intended to identify forward-looking statements, although not all forward-looking statements contain such identifying words. Such forward-looking statements are based on management’s current expectations and assumptions about future events and are based on currently available information as to the outcome and timing of future events. Except as otherwise required by applicable law, we disclaim any duty to update any forward-looking statements, all of which are expressly qualified by the statements in this section, to reflect events or circumstances after the date of this Annual Report. These forward-looking statements involve a number of risks, uncertainties (some of which are beyond our control) or other assumptions that may cause actual results or performance to be materially different from those expressed or implied by these forward-looking statements. Forward-looking statements in this Annual Report and the associated risks, uncertainties, assumptions and other important factors may include, but are not limited to:

•Factors relating to our business, operations and financial performance, including:

◦Our ability to operate under and maintain or improve our business model;

◦The effect of interest rates on our business, results of operations, and financial condition;

◦Our ability to expand our customer base, grow market share in our existing markets and enter into new markets;

◦Our ability to respond to general economic conditions, particularly elevated interest rates and lower home sales and refinancing activity;

◦Our ability to restore our growth and our expectations regarding the development and long-term expansion of our business;

◦Our ability to comply with laws and regulations related to the operation of our business, including any changes to such laws and regulations;

◦Our ability to achieve and maintain profitability in the future;

◦Our ability and requirements to raise additional financing in the future;

◦Our estimates regarding expenses, future revenue, capital and additional financing requirements;

◦Our ability to maintain, expand and be successful in our strategic relationships with third parties;

◦Our ability to remediate existing material weaknesses and implement and maintain an effective system of internal controls over financial reporting;

◦Our ability to develop new products, features and functionality that meet market needs and achieve market acceptance;

◦Our ability to retain, identify and hire individuals for the roles we seek to fill and staff our operations appropriately;

◦The involvement of our CEO in litigation related to prior business activities, our business activities and associated negative media coverage;

◦Our ability to recruit and retain additional directors, members of senior management and other team members, including our ability in general, and our CEO’s ability in particular, to maintain an experienced executive team;

◦Our ability to successfully manage our international and banking operations;

◦Our ability to maintain and improve morale and workplace culture and respond effectively to the effects of negative media coverage; and

◦Our ability to maintain, protect, assert and enhance our intellectual property rights.

•Factors relating to our capital structure, governance and the market for our securities, including:

◦The existence of multiple classes of common stock, which is comprised of our Class A common stock, par value $0.0001 per share (“Class A Common Stock”), our Class B common stock, par value $0.0001 per share (“Class B Common Stock”) and our Class C common stock, par value $0.0001 per share (“Class C Common Stock” and collectively, the “Common Stock”), and its impact on the liquidity and value of the Class A Common Stock;

◦The limited experience of our directors and management team in overseeing a public company;

◦Our ability to maintain the listing of the Class A Common Stock and Warrants on the Nasdaq Capital Market;

◦Our ability to maintain certain lines of credit and obtain future financing on commercially favorable terms to fund loans and otherwise operate our business;

◦The liquidity and trading of Class A Common Stock and Warrants; and

•Other factors detailed under Part I, Item 1A (Risk Factors).

The forward-looking statements contained in this Annual Report are based on current expectations and beliefs concerning future developments and their potential effects on us. There can be no assurance that future developments affecting us will be those that we have anticipated. Should one or more of these risks or uncertainties materialize, or should any of our assumptions prove incorrect, actual results may vary in material respects from those described in these forward-looking statements.