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I have an art site where images are of particular importance.
I have four images at the top of my home page 2 on 2 rows, with my main text directly below them.
Is this going to have an impact on the SEO qulaity of my site, or should i consider having some text above them (which would not look visually quite as effective?)
which would not look visually quite as effective
If ever you are going to make changes, always think of the user first. Placing your text in a different place may have soome slight effect, but the site may not serve its users as well. Is a slight gain in traffic worth a loss of conversions.