Loose fat? How does it look?

Over the course of two years I gained 60lbs which I then lost again over the course of another two years. I'm 29 years old and am finally back to my starting weight. Tragically I now have an apron belly (I think) and what I think is fupa. I look fine in underwear but when I'm completely naked it's all I can think about. The weight loss is still very recent and I haven't done too much toning yet, but I just wanted to hear about any success stories from other women my age with similar rates and quantities of weight gain/loss. At what BMI did the extra skin become less noticable? Photos especially would be much appreciated!