This tutorial will teach you how to use patterns over images. It gives the image a nice effect in blends and other graphics, so it's a handy thing to know.
up Photoshop with the image of your choice. Then go to Layers > Duplicate Layer.
Now you want to add a layer style. In the layers tab, click on the little "f" with the arrow next to it. You should see a large array of things you can add. However, you're going to click "Pattern overlay".
There should be a popup that comes up. Choose a pattern from the drop down. Photoshop has a few patterns already loaded in there, but you can download custom ones and install them, just as you would install a brush (except in the patterns folder). Now, pick the pattern you want.
It's wise to play around with the blending options of the layer to give it a nice effect.
Flatten your image by goign to Layer > Flatten Image.