This is about a frame example that has been made by some steps, I have mention here all the steps to make this effect.
Take picture: First take a picture to framed.
Selection: Make selection by the Polygonal lasso tool (L key).
Inverse: Go to Select menu > Apply Inverse (Shift + Ctrl + I) and press Ctrl + J.
Layer style: Go to Layer menu > Layer style > Apply Gradient Overlay, Bevel and Emboss as I have done here.
This your final result.
Recommend the tutorial