Create a realistic and visually appealing cover for an online course module that provides a complete overview of the mortgage process. The cover should feature a high-quality, photo-realistic image that subtly represents the entire mortgage journey within the context of the American Mortgage system. Consider using elements such as a modern mortgage office environment with loan officers and clients interacting at different stages of the process, from initial consultations to final document signings. The image should capture key moments like application review, credit checks, and closing meetings, emphasizing the sequential nature of the process. Use a sophisticated color palette that conveys professionalism and trust, focusing on dark blue (Navy Blue), white, and gold. The style should be clean, realistic, and minimalistic, with a focus on the comprehensive nature of the mortgage process. --ar 16:9  --s 750