Credits:
White Christmas by NBK Design
https://www.oscraps.com/shop/White-Christmas.html

For my layout:
I used the Out of the box frames. I clipped the photo into the different masks and I tweak one the photos to make it a bit darker. I place it on the textured paper media and place the wordart. I used the watercolor blender brushes in different portions of the photo and wordart.