Create a realistic and visually appealing cover for an online course module on "Different Types of Mortgage Programs." The cover should feature a high-quality, photo-realistic image that clearly represents various mortgage programs. Design the image to show different aspects of mortgage programs, such as fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and more. Consider using elements like a modern office environment with loan officers explaining options to clients, documents outlining different mortgage terms, and visual representations of homes or properties. Use a sophisticated color palette that conveys professionalism and trust, focusing on dark blue (Navy Blue), white, and gold. The style should be realistic and professional, with the diversity of mortgage programs as the focal point. --ar 16:9  --s 750