Hi Sendrith, achieving the folded paper look is very easy, all you have to do is add a paper texture as you're back round. For this one I used three of coyotemax's textures together, and changed the colours a bit. You can find them here
http://coyotemax.deviantart.com/gall...9830/Resources and each one you download has several in the file. Another paper texture that I like to use allot that has really nice folds is here
http://bashcorpo.deviantart.com/art/...v-15-470628155
And for the mountains I've been trying to use some of the techniques set out by Jonathan Roberts, he has several tutorials that are really great on his web site
http://www.fantasticmaps.com/ I would recommend going through his site with a fine tooth comb, so many gems to find there.
To get the texture to show through the water, you can use the multiply blend mode, but lately I've had allot of luck using linear burn, a blend mode I only just recently discovered was useful in PhotoShop.