NT_PH, I am not quite sure about bank, my parents' bank is Metrobank and I never have had trouble with this bank so far. If your husband's income is more than the LICO, I have no doubt that your mom will get approved. The most important thing is the host, he/she must demonstrate that the guest will be provided with EVERYTHING. Your parents have a family, house, and a small business, right? Your dad will stay in the Philippines? It will help demostrate that your mom has established close ties in her home country. I hope that your mom is healthy, no history of TB, diabetes, hepatitis, etc. because she has to passed the medical examination as well. The exam is similar to yours when you applied for PR. The medical insurance we got is refundable and we can move the effective date. You should talk to the insurance company about your concerns and ask them questions.