Create a realistic and visually appealing cover for an online course module on 'Mortgage Process Overview.' The image should resemble a professional, modern office setting, showing real people and real elements that symbolize the mortgage process. Represent key stages like loan application, underwriting, document verification, property appraisal, and approval, using visual cues like documents, computers, real estate visuals, and people in action (such as discussing or reviewing paperwork). The office environment should be clean, modern, and sophisticated, with a color palette of deep navy blue, white, and gold, evoking professionalism and clarity. No text should be included in the image. --ar 16:9  --s 750