Anna Aspnes Designs:
ArtPlay Palette Summer Breeze - http://www.oscraps.com/shop/product.php?productid=43951&cat=383&page=1
ScriptTease Summer Overlays No. 1 - http://www.oscraps.com/shop/product.php?productid=43949&cat=383&page=1
Summer WordART No. 2 - http://www.oscraps.com/shop/product.php?productid=43950&cat=383&page=1
UrbanStitchez No. 5 - http://www.oscraps.com/shop/product.php?productid=43929&cat=383&page=1

Process:
I started with an Artsy Paper from APP Summer Breeze
Placed Photos and Multiple Set Blending Modes
Used Eraser Brushes to Blend Photos into Artsy Paper
Framed Photo and Plced Artsy Stroke
Finished with Text, Elements & Wordart