Create a photo-realistic cover for an online course module on 'Mortgage Process Overview.' The central focus of the image should be a detailed map laid out on a modern office desk. The map should represent the stages of the mortgage process, with visual markers or icons symbolizing key phases such as loan application, underwriting, document verification, property appraisal, and loan approval. Surround the map with real elements like loan documents, a laptop displaying real estate data, pens, and a coffee cup. A mortgage officer or client could be shown pointing at or analyzing the map, providing a human touch. The office environment should be bright and modern, with natural lighting and a color scheme of deep navy blue, gold, and white to evoke professionalism and trust. No text should be included. --ar 16:9  --s 750