Create a photo-realistic cover for an online course module on 'Mortgage Process Overview.' The focal point of the image should be a detailed map spread out on a modern office desk, symbolizing the journey through the mortgage process. Around the map, include realistic elements such as loan documents, a laptop displaying real estate listings, pens, and a coffee cup. A mortgage officer or client could be shown pointing at or analyzing the map, providing a human element that adds a sense of professionalism and engagement. The background should feature a modern office environment with natural lighting, creating a clean and sophisticated atmosphere. Use a color palette with deep navy blue, gold, and white to maintain a polished and trustworthy look. No text should be included. --ar 16:9  --s 750