Artsy Layered Template #225 http://www.oscraps.com/shop/Artsy-Layered-Template-No.-225.html
Fotoblendz Overlays 8_2 http://www.oscraps.com/shop/FotoBlendz-Overlays-No.-8.html
UrbanStitchez Home No. 1 http://www.oscraps.com/shop/UrbanStitchez-Home-No.-1.html
Hearth Solid paper #5 http://www.oscraps.com/shop/ArtPlay-Palette-Hearth.html
Art Stroke Frames No. 1 http://www.oscraps.com/shop/ArtStroke-Frames-No.-1.html
Ribbon: Swell Artplay Paltte http://www.oscraps.com/shop/ArtPlay-Palette-Swell.html

Notes:
I rotated the template to better suit my photos, and then tweaked the placement of the template layers by moving everything closer to the center of the page. I added the big photo first, clipping it to the large paint area in the center of the template; I didn't like the look so positioned the fotoblendz overlay (rotated) and clipped my photo to that instead.

I clipped a single photo of the Painted Ladies houses into the two frames at the top of the template, a super-easy technique that is both great for highlighting terrific photos and excellent for disguising ones that are not so good--I'll be demonstrating this simple technique in an upcoming tutorial.

Because I had rotated the template I had to reposition the title and text, which is what I did next. I still wasn't sure what I was going to put into the bottom frame that came with the template, and eventually I wound up deleting it. In its place I dropped in a row of stitched houses, which I colored to make my own Painted Ladies.

To finish up, I added a background paper, recolored a few paint layers/stains, positioned art stroke frames on top of the layer stack to carry out the paint theme, and added the checked ribbon.