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:
- Paste in a photo, rename the layer
- CTRL+T to resize/move into position
- 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…

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

