Create a highly realistic, photo-style cover for an online course module on 'Mortgage Process Overview.' The image should depict a professional, modern office setting where mortgage officers and clients are actively engaged in different stages of the financing process. Visualize scenes like a mortgage officer explaining terms to a client at a desk, reviewing documents, or working on a computer with real estate visuals in the background. The environment should include elements like paperwork, loan agreements, property models, and computers, with natural lighting that conveys a productive, business-like atmosphere. Use a color palette with navy blue, gold, and white tones to maintain professionalism and trust. The overall look should feel like a high-quality photograph of a real-life mortgage consultation or financing discussion. No text should be included. --ar 16:9  --s 750