I purchase my house in 2008.the mortgage is under my brother's name. in 2012 I had a modification.can I refinance to assume theloa

Assuming you can qualify based on income and credit and the home has sufficient equity, you should be eligible for a refinance as long as your name is on title for at least 1 day as most loan programs do not require any seasoning of title (ownership), particularly for a rate and term refinance. Check with a local mortgage professional or feel free to send me an offline message if you need a referral in your area. Good Luck and Happy 4th of July!