Ramsay Lorena Anabel 4

What Happened
Ramsay Lorena Anabel, Senior Vice President and Chief Financial Officer of Dream Finders Homes (DFH), was granted a total of 67,254 restricted shares (RSUs) on March 6, 2026 (two awards: 41,387 and 25,867 RSUs, both reported at $0.00). To satisfy tax withholding related to these vesting events, the company withheld/disposed a total of 15,141 shares in three transactions: 3,044 shares on Mar 5 at $17.25 ($52,509), 3,717 shares on Mar 6 at $16.40 ($60,959), and 8,380 shares on Mar 8 at $15.71 ($131,650). The withholding transactions are coded F (tax withholding).

Key Details

• Transaction dates & amounts:
  • Mar 5, 2026 — 3,044 shares withheld at $17.25 (proceeds $52,509) (F)
  • Mar 6, 2026 — Grant of 41,387 RSUs @ $0.00 (A)
  • Mar 6, 2026 — Grant of 25,867 RSUs @ $0.00 (A)
  • Mar 6, 2026 — 3,717 shares withheld at $16.40 (proceeds $60,959) (F)
  • Mar 8, 2026 — 8,380 shares withheld at $15.71 (proceeds $131,650) (F)
• Total granted: 67,254 RSUs; total shares withheld for taxes: 15,141; total withholding proceeds ≈ $245,118.
• Shares owned after the transactions: Not specified in the provided filing excerpt.
• Footnotes: F1 = company withheld shares to satisfy tax liability; F2 = the 41,387 RSUs vest in three equal annual installments beginning Mar 6, 2027; F3 = the 25,867 RSUs vest in five equal annual installments beginning Mar 6, 2027.
• Filing date: Form 4 filed Mar 9, 2026 covering transactions Mar 5–Mar 8, 2026; the filing date is reported and appears timely based on the reported dates.

Context

• These transactions are primarily equity awards (A = grant) with routine tax-related dispositions (F = withholding). The RSUs were awarded at $0.00 and will vest over multi-year schedules (3- and 5-year cliffs/annual installments beginning Mar 6, 2027), so the recipient does not realize immediate full ownership of all granted shares.
• The withheld shares were retained by the company to cover tax obligations upon vesting rather than sold in an open-market trade by the insider; such withholding is common and should not be interpreted as a discretionary cash sale by the officer.