Text

Select the Text tool. Choose a thick font type.

Click on the canvas, type a word (all caps). Double-click on the word to select it and change the font color to bright red.

Click off in a empty area of the Layers panel to set the font.

Click again to add another word (same font type & color). You should have this so far…

CTRL+T to resize each word – make sure that transform is not locked.

Photo Text Mask

Have the top text layer active, then add a group/folder above the text, rename it “photos”.

Hold CTRL and click on each text thumbnail “T” to select the outline of both words…

Then select the photos folder and add a layer mask.

Add a Solid Color adjustment layer (white for now) and delete the Background layer.

Add Photos

You will need to add 7-8 photos.

First Photo

Find a photo you want to add and paste it in the photos folder. Rename the layer.

CTRL+T (make sure the link is locked so the photo stays proportional) and move/resize it to the area/letters you want…

Add a mask to the layer.

Select the Brush tool – set it to 100% hardness, about size 50px.

Make sure your colors are default (black/white). Brush out the photo from the letters you don’t want included…

More Photos

Repeat the process for 6-7 more photos, each photo showing in 2-3 letters:

  1. Paste in a photo, rename the layer
  2. CTRL+T to resize/move into position
  3. Add mask – brush out parts don’t need

Finishing Touches

Text Fill

You will probably see bits of the red text color at the edges…

Set the Fill for each text layer to 0%.

Now you should not see any red anymore…

Drop Shadow

Select each text layer and add layer style Drop Shadow

Background Color

Double-click on the Solid Color adjustment layer to change it to a light color…

Texture

Copy the full-size image below…

  1. Paste it and make sure it’s the top layer.
  2. Rename it
  3. CTRL+T to resize it to cover the canvas.
  4. Change the layer blend mode to Multiply, reduce to 50%.