Can you un-meander a bit?
You say you don't have any debt but a car but then we're discussing a mortgage you have. Both can't be true.
You owe $74,000 to your dad and he needs the money soon.
You want to refinance the house with a bank so you can pay back your dad ASAP.
Is that what your situation is?
Yes, you will probably have to un-freeze your credit with the service bureaus to get a mortgage with a bank. You will probably also have to produce some written documentation of the mortgage debt to your dad.
As for the fees, shop around. A lot. Ask the bank to explain each fee ahead of time and then ask those the government does not require to be dropped. It won't hurt to ask.