Yes, being able to take a look at one of your galleries would help. How and where the text displays depends on which of the four layouts you use. Sometimes the text is displayed below the images, sometimes only when you hover your mouse over an image.
If you insert a gallery within a table, you can control the width to some extent. The size of the images you are using also influences how far down on a page text displays. You can control the size of the text using the custom formatting option.
I don't go into text position in the article, but I have written a tutorial on using the FrontPage Photogallery which you may find helpful. You can find it here:
http://www.outfront.net/tutorials_02/fp_techniques/photogallery.htm