2008 got a car loan in my name for my brother, but my brother continue to pay the note late not 30 days, should I re-finance and take over the note myself to save my credit. Last fico in the mid 700. Do not want to go 2 more yrs this way.
You probably have to take over payments and beg them for some goodwill on the lates.
Sorry to say this but; there was a good reason your brother couldn't get a loan on his own. Loving him doesn't change that.
You should definitely take over the payments yourself; refinancing to do so isn't necessary. If you can't afford to do so, perhaps you should make your brother sell the car. You should also send a GW letter to the finance company to get them to remove the 30 day late.
Never, ever, ever cosign for anyone again in the future.
I wish the "Never co-sign for anyone!" advice actually helped people.