Refinance Question....

Bought a HUD house cash for 98K. After 5K in repairs house
appraised for 128K.

Hoping to refi at 80% of 128K for a loan of around 102K.

With good credit, around 750, what is the best possible rate
I should expect.

Thinking about a 3/1 ARM in NC.

Hoping not to pay a bunch of points and other BS.