You may get .psd* file of "Vintage style monogram in the antique golden frame" Photoshop tutorial by making a payment. Put the tutorial title in "Add special instructions to seller" line of PayPal and it will be sent to you shortly.
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- Insert fabric image. Apply Sharpen filter for it.
- Cut inside frame area.
- Make it black and white.
- Apply gradient Overlay layer style effect.
- Duplicate fabric layer, set Fill=0%.
- Apply Inner Shadow.
- Create Monogram using monogram fonts (I used Bickham Script Pro) and decorative elements, you may find them here.