Step 1
First open up Photofiltre. Open up a new document whatever size you want.

Step 2
Select the text tool and select whatever font you want but for this tutorial Arial Black works the best or any other big bold font.

Step 3
After typing in your text click Effects and select Fill Pattern and click the folder icon next to it.

Step 4
Now work your way to your Pictures folder.

Step 5
After that find any texture that you want to use and select it. After that click ok and you should have your patterned text!

My Result