I created this in iColorama on a blank white canvas, by using a round shape mask and several different textures.

I used this photo from Pixabay, a source of copyright-free images. I like her straightforward gaze and the simple composition.

Using Effect/Blend, I blended her onto the Dreamscope result. I used my fingers to position and resize her to get her where I wanted her, with her face showing through the bright center of the underlying image. I tried a lot of blending modes and slider positions, and used the gray slider in Set to blend her face but only part of her shoulders and hair. I thought the result was somewhat suggestive of her being a partially decomposed corpse, without actually being graphic. I masked out her background so that the Dreamscope image shows there. Then I smoothed things out with Style/Coherence and Style/Flow.

In Effect/Blend in iColorama, I blended the house into the woman. I tried different blending modes and slider positions, and I chose a combination of blending mode and settings that leave her transparent enough to just sense the white plank wall behind her, so she would feel more like a ghost. I used the gray slider in Set to get the bottom image to leak through the windows on the right side of the image as well as filling the main window. I used a brush mask to clean up the windows. I decided to let part of the panes disappear into her hair rather than jail her entirely behind them. I brought back her eyes from the Dreamscope-blended image using Effect/Blend with an inverted brush mask. I did some smoothing with Style/Flow, some final sharpening in Effect/Sharpen, tone and color adjustments, and I used Adjust/Levels for a bit more contrast.