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 subtly represents the concept of various mortgage programs. Design the image to show a modern office environment with loan officers interacting with clients, detailed financial documents, and visual elements like graphs, charts, and computer screens displaying different mortgage options. 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 no text or titles included in the image. --ar 16:9  --s 750