<p>纽约 --（商业资讯）--Better Home &amp; Finance Holding Company（纳斯达克：BETR）（“Better.com”）今天宣布成功修订和续签与一家领先的全球银行机构的 1.75 亿美元仓库信贷设施，进一步增强流动性，提高运营灵活性，并改善融资条款。</p>
<p>修订后的信贷设施降低了现金存款要求，扩大了杠杆能力，并对某些非 GSE 贷款提高了预付款比例，实质性减少了持续的股本资本要求。</p>
<p>此外，Better.com 重申了其在 2025 年 11 月披露的指导意见，即预计到 2026 年 5 月，月度发放量将超过 10 亿美元，较公司截至 2025 年 9 月 30 日的平均月度发放量约 4 亿美元增长超过 100%。公司还重申预计到 2026 年第三季度末实现调整后 EBITDA 盈利。</p>
<p>“我们感谢仓库贷款人的持续支持，因为我们通过在抵押贷款生态系统中部署 Tinman AI 加速业务演变，” 财务主管 Rob Wilson 表示。“这些增强措施实质性提高了股本资本效率，显著减少了对该设施所需的股本资本量。我们预计这将是多个以更轻资本方式扩大仓库容量的举措中的第一个，反映了仓库贷款人对我们承保纪律和 Tinman AI 平台实力的信心。”</p>
<p>“自推出以来不到三个月，我们的新合作渠道已经在各自的产品领域产生了与我们超过十年的直接面向消费者渠道相当的顶层线索流，” 创始人兼首席执行官 Vishal Garg 表示。“我们将继续专注于提供卓越的客户体验，推动业务发展，这得益于通过战略合作伙伴关系快速采用我们的 Tinman AI 平台。”</p>
<p><strong>关于 Better Home &amp; Finance Holding Company</strong> Better Home &amp; Finance Holding Company（纳斯达克：BETR；BETRW）是首个 AI 原生抵押贷款和房屋净值融资平台，也是首个融资超过 1000 亿美元贷款量的金融科技公司。自 2016 年以来，Better 利用其行业领先的 AI 平台 Tinman™，实现了让所有美国人拥有房屋变得更便宜、更快速和更容易的单一使命。Tinman™使客户能够在几秒钟内查看利率选项，在几分钟内获得预批准，锁定利率，并在短短三周内完成贷款。此外，Betsy™是首个专为抵押贷款行业打造的语音 AI 贷款助手，通过提供及时的申请状态更新、回答问题以及全天候推进贷款申请，彻底改变了购房旅程。Better 的抵押贷款产品包括符合 GSE 标准的抵押贷款、FHA 和 VA 贷款以及大额抵押贷款。Better 在 2025 年获得了数字抵押贷款创新的 Fintech Breakthrough Awards，获得了 2025 年数字抵押贷款创新的银行技术奖，并在 2023 年被《福布斯》评选为最佳在线抵押贷款机构和《华尔街日报》评选的最佳可负担抵押贷款机构，2021 年和 2020 年在 LinkedIn 的顶级初创公司名单中排名第一，纽约最佳小型和中型工作场所排名第一，2020 年 CNBC 颠覆者 50 名单中排名第 15，并在 2020 年被列入《福布斯》金融科技 50 名单。Better 为美国所有 50 个州和英国的客户提供服务。</p>
<p>欲了解更多信息，请在 Instagram 和 TikTok 上关注 @betterdotcom。</p>
<p><strong>前瞻性声明</strong></p>
<p>本新闻稿包含 1995 年《私人证券诉讼改革法案》所定义的某些前瞻性声明。本新闻稿中所有非历史事实的声明应视为前瞻性声明，包括但不限于关于轻资本倡议、新合作渠道、每月发放量和调整后 EBITDA 盈利能力的声明和预期。在某些情况下，您可以通过 “相信”、“可能”、“将”、“估计”、“潜在”、“继续”、“预期”、“打算”、“期待”、“能够”、“会”、“项目”、“计划”、“目标” 或这些术语的否定形式或变体或类似术语来识别前瞻性声明。前瞻性声明本质上受到风险和不确定性的影响，这可能导致实际未来事件与本沟通中所表达或暗示的前瞻性声明存在重大差异。这些风险和不确定性包括：我们在运营和维持或改善我们的商业模式方面的能力；利率对我们业务、运营结果和财务状况的影响；我们扩大客户基础、在现有市场中增长市场份额和进入新市场的能力；我们应对一般经济状况的能力，特别是高利率和低房屋销售及再融资活动的影响；我们恢复增长的能力以及对我们业务发展和长期扩展的预期；我们遵守与我们业务运营相关的法律法规的能力，包括对这些法律法规的任何变更；我们在未来实现和维持盈利的能力；我们在未来筹集额外融资的能力和要求；我们对费用、未来收入、资本和额外融资需求的估计；我们维持、扩展和在与第三方的战略关系中取得成功的能力；我们纠正现有重大缺陷并实施和维持有效的财务报告内部控制系统的能力；我们开发满足市场需求并获得市场认可的新产品、功能和特性的能力；我们保留、识别和招聘我们希望填补的角色的人员并适当配置我们的运营的能力；我们的首席执行官参与与先前商业活动相关的诉讼、我们的商业活动及相关负面媒体报道的影响；我们成功招募和留住额外董事、高级管理人员和其他团队成员的能力，包括我们的一般能力，以及我们的首席执行官在维持一支经验丰富的执行团队方面的能力；我们成功管理国际和银行业务的能力；我们维持和改善士气和工作文化的能力，并有效应对负面媒体报道的影响；以及我们维护、保护、主张和增强知识产权的能力；我们 A 类普通股市场价格的波动，包括由于潜在的空头挤压而导致的波动；第三方的高度公共和社交媒体报道；以及未来大量销售我们 A 类普通股的可能性，或对这种销售可能发生的看法。有关这些风险和其他可能影响公司业务、声誉、运营结果、财务状况和股价的重要因素的更多信息，请参阅公司截至 2024 年 12 月 31 日的 10-K 表格年报中的 “风险因素” 部分，任何此类因素可能会不时在公司向 SEC 提交的其他文件中更新，包括但不限于截至 2025 年 9 月 30 日的 10-Q 表格季度报告，该报告可在 SEC 网站 www.sec.gov 上免费获取。新的风险和不确定性不时出现，Better 无法预测这些事件或它们可能对我们的影响。请注意，不要对任何前瞻性声明过度依赖，这些声明仅在作出时有效。除法律要求外，Better 没有义务更新或修订前瞻性声明，无论是由于新信息、预期变化、未来事件还是其他原因。</p>
<p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNjAxMjc4MzQwNzVyMQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNjAxMjc4MzQwNzVyMQ"/></p>
<p>在 businesswire.com 查看源版本：https://www.businesswire.com/news/home/20260127834075/en/</p>
<p>如需投资者关系咨询，请发送电子邮件至：ir@better.com</p>
<p>来源：Better Home &amp; Finance Holding Company</p>

<p>Better Home & Finance Holding Company（纳斯达克代码：BETR）已续签一项 1.75 亿美元的仓库信贷额度，增强了流动性和运营灵活性。新条款包括降低现金存款要求和对某些贷款提高预付款比例。公司重申了其指引，预计到 2026 年 5 月，月度发放量将超过 10 亿美元，并在 2026 年第三季度实现调整后 EBITDA 盈利。首席执行官 Vishal Garg 强调了新合作渠道的成功以及其人工智能平台 Tinman 在改善客户体验方面的应用</p>

<p>NEW YORK--(BUSINESS WIRE)--Better Home &amp; Finance Holding Company (NASDAQ: BETR) (“Better.com”) today announced the successful amendment and renewal of a $175 million warehouse credit facility with a leading global banking institution, further strengthening liquidity, enhancing operational flexibility, and improving financing terms.</p>
<div class="lb-trans"><p>纽约 --（商业资讯）--Better Home &amp; Finance Holding Company（纳斯达克：BETR）（“Better.com”）今天宣布成功修订和续签与一家领先的全球银行机构的 1.75 亿美元仓库信贷设施，进一步增强流动性，提高运营灵活性，并改善融资条款。</p>
</div><p>The amended facility features reduced cash deposit requirements, expanded leverage capacity, and higher advance rates on certain non-GSE loans, materially reducing ongoing equity capital requirements.</p>
<div class="lb-trans"><p>修订后的信贷设施降低了现金存款要求，扩大了杠杆能力，并对某些非 GSE 贷款提高了预付款比例，实质性减少了持续的股本资本要求。</p>
</div><p>In addition, Better.com reaffirmed its previously disclosed guidance, given in November 2025, that monthly origination volumes are expected to exceed $1 billion by May 2026, representing an increase of more than 100% compared to the Company’s average monthly origination volume of approximately $400 million for the quarter ended September 30, 2025. The Company also reaffirmed its expectation of achieving adjusted EBITDA profitability by the end of the third quarter of 2026.</p>
<div class="lb-trans"><p>此外，Better.com 重申了其在 2025 年 11 月披露的指导意见，即预计到 2026 年 5 月，月度发放量将超过 10 亿美元，较公司截至 2025 年 9 月 30 日的平均月度发放量约 4 亿美元增长超过 100%。公司还重申预计到 2026 年第三季度末实现调整后 EBITDA 盈利。</p>
</div><p>“We are grateful for the continued support of our warehouse lenders as we accelerate our business evolution through the deployment of Tinman AI across the mortgage ecosystem,” said Rob Wilson, Treasurer. “These enhancements materially improve equity capital efficiency by significantly reducing the required amount of equity capital for the facility. We expect this to be the first of multiple initiatives to expand warehouse capacity in a more capital-light manner, reflecting warehouse lender confidence in our underwriting discipline and the strength of the Tinman AI platform.”</p>
<div class="lb-trans"><p>“我们感谢仓库贷款人的持续支持，因为我们通过在抵押贷款生态系统中部署 Tinman AI 加速业务演变，” 财务主管 Rob Wilson 表示。“这些增强措施实质性提高了股本资本效率，显著减少了对该设施所需的股本资本量。我们预计这将是多个以更轻资本方式扩大仓库容量的举措中的第一个，反映了仓库贷款人对我们承保纪律和 Tinman AI 平台实力的信心。”</p>
</div><p>“In less than three months since launch, our new partnership channels are already generating top of funnel lead flow in their respective product areas at levels comparable to our more than ten-year-old direct-to-consumer channel,” said Vishal Garg, Founder and CEO. “We remain focused on delivering an exceptional customer experience as we continue to evolve the business, driven by the rapid adoption of our Tinman AI platform through strategic partnerships.”</p>
<div class="lb-trans"><p>“自推出以来不到三个月，我们的新合作渠道已经在各自的产品领域产生了与我们超过十年的直接面向消费者渠道相当的顶层线索流，” 创始人兼首席执行官 Vishal Garg 表示。“我们将继续专注于提供卓越的客户体验，推动业务发展，这得益于通过战略合作伙伴关系快速采用我们的 Tinman AI 平台。”</p>
</div><p><strong>About Better Home &amp; Finance Holding Company</strong> Better Home &amp; Finance Holding Company (NASDAQ: BETR; BETRW) is the first AI-native mortgage and home equity finance platform, and first fintech to fund more than $100 billion in loan volume. Since 2016, Better has leveraged its industry-leading AI platform, Tinman™, to achieve a singular mission of making homeownership cheaper, faster, and easier for all Americans. Tinman™ allows customers to see their rate options in seconds, get pre-approved in minutes, lock in rates, and close their loan in as little as three weeks. In addition, Betsy™, the first voice-based AI loan assistant built exclusively for the mortgage industry, revolutionizes the homebuying journey by delivering timely application status updates to consumers, answering questions, and moving their loan application along 24/7/365. Better’s mortgage offerings include GSE-conforming mortgage loans, FHA and VA loans, and jumbo mortgage loans. Better won the 2025 Fintech Breakthrough Awards for Digital Mortgage Innovation, the 2025 Banking Tech Award for Digital Mortgage Innovation, and was named Best Online Mortgage Lender by Forbes and Best Mortgage Lender for Affordability by WSJ in 2023, ranked #1 on LinkedIn’s Top Startups List for 2021 and 2020, #1 on Fortune’s Best Small and Medium Workplaces in New York, #15 on CNBC’s Disruptor 50 2020 list, and was listed on Forbes FinTech 50 for 2020. Better serves customers in all 50 US states and the United Kingdom.</p>
<div class="lb-trans"><p><strong>关于 Better Home &amp; Finance Holding Company</strong> Better Home &amp; Finance Holding Company（纳斯达克：BETR；BETRW）是首个 AI 原生抵押贷款和房屋净值融资平台，也是首个融资超过 1000 亿美元贷款量的金融科技公司。自 2016 年以来，Better 利用其行业领先的 AI 平台 Tinman™，实现了让所有美国人拥有房屋变得更便宜、更快速和更容易的单一使命。Tinman™使客户能够在几秒钟内查看利率选项，在几分钟内获得预批准，锁定利率，并在短短三周内完成贷款。此外，Betsy™是首个专为抵押贷款行业打造的语音 AI 贷款助手，通过提供及时的申请状态更新、回答问题以及全天候推进贷款申请，彻底改变了购房旅程。Better 的抵押贷款产品包括符合 GSE 标准的抵押贷款、FHA 和 VA 贷款以及大额抵押贷款。Better 在 2025 年获得了数字抵押贷款创新的 Fintech Breakthrough Awards，获得了 2025 年数字抵押贷款创新的银行技术奖，并在 2023 年被《福布斯》评选为最佳在线抵押贷款机构和《华尔街日报》评选的最佳可负担抵押贷款机构，2021 年和 2020 年在 LinkedIn 的顶级初创公司名单中排名第一，纽约最佳小型和中型工作场所排名第一，2020 年 CNBC 颠覆者 50 名单中排名第 15，并在 2020 年被列入《福布斯》金融科技 50 名单。Better 为美国所有 50 个州和英国的客户提供服务。</p>
</div><p>For more information, follow @betterdotcom on Instagram and TikTok.</p>
<div class="lb-trans"><p>欲了解更多信息，请在 Instagram 和 TikTok 上关注 @betterdotcom。</p>
</div><p><strong>Forward-looking Statements</strong></p>
<div class="lb-trans"><p><strong>前瞻性声明</strong></p>
</div><p>This press release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements in this press release that are not historical fact should be considered forward-looking statements, including, without limitation, statements and expectations regarding capital-light initiatives, new partnership channels, monthly origination volume and adjusted EBITDA profitability. 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 or variations of them or similar terminology. Forward-looking statements are inherently subject to risks and uncertainties which could cause actual future events to differ materially from those expressed or implied by the forward-looking statements in this communication. These risks and uncertainties include: 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; the volatility in the market price of our Class A common stock, including volatility due to potential short squeezes; high degrees of public and social media coverage by third parties; and future sales of substantial amounts of our Class A common stock, or the perception that such sales may occur. More information on these risks and other important factors that could affect the Company’s business, reputation, results of operations, financial condition, and stock price are discussed in the section entitled “Risk Factors” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024, as any such factors may be updated from time to time in the Company’s other filings with the SEC, including without limitation, the Company’s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2025, which is available, free of charge, at the SEC’s website at www.sec.gov. New risks and uncertainties arise from time to time, and it is impossible for Better to predict these events or how they may affect us. You are cautioned not to place undue reliance upon any forward-looking statements, which speak only as of the date made. Better undertakes no obligation, except as required by law, to update or revise the forward-looking statements, whether as a result of new information, changes in expectations, future events or otherwise.</p>
<div class="lb-trans"><p>本新闻稿包含 1995 年《私人证券诉讼改革法案》所定义的某些前瞻性声明。本新闻稿中所有非历史事实的声明应视为前瞻性声明，包括但不限于关于轻资本倡议、新合作渠道、每月发放量和调整后 EBITDA 盈利能力的声明和预期。在某些情况下，您可以通过 “相信”、“可能”、“将”、“估计”、“潜在”、“继续”、“预期”、“打算”、“期待”、“能够”、“会”、“项目”、“计划”、“目标” 或这些术语的否定形式或变体或类似术语来识别前瞻性声明。前瞻性声明本质上受到风险和不确定性的影响，这可能导致实际未来事件与本沟通中所表达或暗示的前瞻性声明存在重大差异。这些风险和不确定性包括：我们在运营和维持或改善我们的商业模式方面的能力；利率对我们业务、运营结果和财务状况的影响；我们扩大客户基础、在现有市场中增长市场份额和进入新市场的能力；我们应对一般经济状况的能力，特别是高利率和低房屋销售及再融资活动的影响；我们恢复增长的能力以及对我们业务发展和长期扩展的预期；我们遵守与我们业务运营相关的法律法规的能力，包括对这些法律法规的任何变更；我们在未来实现和维持盈利的能力；我们在未来筹集额外融资的能力和要求；我们对费用、未来收入、资本和额外融资需求的估计；我们维持、扩展和在与第三方的战略关系中取得成功的能力；我们纠正现有重大缺陷并实施和维持有效的财务报告内部控制系统的能力；我们开发满足市场需求并获得市场认可的新产品、功能和特性的能力；我们保留、识别和招聘我们希望填补的角色的人员并适当配置我们的运营的能力；我们的首席执行官参与与先前商业活动相关的诉讼、我们的商业活动及相关负面媒体报道的影响；我们成功招募和留住额外董事、高级管理人员和其他团队成员的能力，包括我们的一般能力，以及我们的首席执行官在维持一支经验丰富的执行团队方面的能力；我们成功管理国际和银行业务的能力；我们维持和改善士气和工作文化的能力，并有效应对负面媒体报道的影响；以及我们维护、保护、主张和增强知识产权的能力；我们 A 类普通股市场价格的波动，包括由于潜在的空头挤压而导致的波动；第三方的高度公共和社交媒体报道；以及未来大量销售我们 A 类普通股的可能性，或对这种销售可能发生的看法。有关这些风险和其他可能影响公司业务、声誉、运营结果、财务状况和股价的重要因素的更多信息，请参阅公司截至 2024 年 12 月 31 日的 10-K 表格年报中的 “风险因素” 部分，任何此类因素可能会不时在公司向 SEC 提交的其他文件中更新，包括但不限于截至 2025 年 9 月 30 日的 10-Q 表格季度报告，该报告可在 SEC 网站 www.sec.gov 上免费获取。新的风险和不确定性不时出现，Better 无法预测这些事件或它们可能对我们的影响。请注意，不要对任何前瞻性声明过度依赖，这些声明仅在作出时有效。除法律要求外，Better 没有义务更新或修订前瞻性声明，无论是由于新信息、预期变化、未来事件还是其他原因。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNjAxMjc4MzQwNzVyMQ" alt="" original-src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260127834075r1&amp;sid=acqr8&amp;distro=nx&amp;lang=en"/></p>
<p>View source version on businesswire.com: https://www.businesswire.com/news/home/20260127834075/en/</p>
<div class="lb-trans"><p>在 businesswire.com 查看源版本：https://www.businesswire.com/news/home/20260127834075/en/</p>
</div><p>For Investor Relations Inquiries please email: ir@better.com</p>
<div class="lb-trans"><p>如需投资者关系咨询，请发送电子邮件至：ir@better.com</p>
</div><p>Source: Better Home &amp; Finance Holding Company</p>
<div class="lb-trans"><p>来源：Better Home &amp; Finance Holding Company</p>
</div>

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