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Investor Relations14 Oct 2025
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Better Home & Finance (BETR) investor relations material
Better Home & Finance Status Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Status Update summary14 Oct, 2025
Business model evolution and technology
Transitioned from a refinance-focused model to a scalable, tech-driven platform supporting both direct-to-consumer and B2B channels.
Developed Tinman, a machine learning and AI-powered matching engine, enabling rapid, efficient mortgage processing and product innovation.
AI loan officer Betsy achieves feature parity with human officers, improving approval rates, reducing errors, and lowering costs by 70% compared to industry averages.
Home equity product originations grew over 250% last year, reaching a $1B run rate, with no credit or prepayment risk retained.
Financial position and growth outlook
Restructured balance sheet by retiring $375M in debt for $110M, generating $265M in positive equity.
Warehouse capital stands at $575M, with plans to expand to $2B to support new large partnerships.
Partnerships with major originators and financial institutions are expected to drive significant volume growth and higher-margin software revenues.
Targeting positive adjusted EBITDA by 2026, with improving unit economics and scaling B2B and D2C channels.
Strategic partnerships and B2B expansion
Secured deals with top mortgage companies and a large financial services partner, enabling migration to Tinman and access to millions of customers.
B2B partnerships offer both fulfillment and software platform revenue streams, with higher margins than traditional lending.
Pipeline strategy focuses on landing industry leaders in multiple verticals and expanding from there.
How does balance sheet light model impact valuation?
How does Tinman's tech drive lower costs & higher approvals?
How will B2B strategy overcome legacy contracts?
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Next Better Home & Finance earnings date
Q3 202512 Nov, 2025
Next Better Home & Finance earnings date
Q3 202512 Nov, 2025
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
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@theshortbearx.com
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Frequently asked questions
Better Home & Finance Holding Company is a digitally native homeownership company serving customers across all 50 U.S. states and the United Kingdom. The company's suite of products encompasses residential mortgage, insurance, and real estate services, aiming to simplify the homeownership process for its clients. BETR offers a range of loan types, including GSE-conforming, FHA-insured, VA-guaranteed, and jumbo loans, catering to a diverse client base comprising GSEs, banks, insurance companies, asset managers, and mortgage REITs. The company is headquartered in New York, NY, and its shares are listed on the Nasdaq.
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