How bad are scars with having excess skin removed above belly button?

Any time there is an incision made on the skin, a scar will result. Most women who have that much excess skin will opt for the scar even though it can be quite extensive and certainly your PS will try to place it low enough so that it is not visible when wearing a bikini etc. However everyone heals differently and therefore it cannot be guaranteed how well you will heal. It is essential that you see a board certified plastic surgeon who can assess you and go over expectations of the procedure. All the best.

Congratulations on your weight loss! But if you're typical, you have lots of loose skin and if so, then scars are reasonable tradeoffs to have your excess, lax skin removed. Discuss the different scars with your surgeon after letting your surgeon know of your goals and expectations. An exam is mandatory to let you know what options are available so see one of your local surgeons for a consultation.