Need help.

My husband has a house under his name, loan also under his name. We need cash to settle debts so planning to refinance house under my name. Please advise what is the best solution for this.

1. Refinance house under my name. I currently have a joint loan with my dad, but house not under my name.

2. I buy the house from my husband as sub sale.
Please advise which is best solution and cost effective.

Thanks alot