I just wanted to share the wealth of a website I found. I have been posting on ebay for about a year as a hobby and used to use a site called Auctiva. They recently started charging to use their site instead of having it free like in the past.
I found a site that creates border templates for you that are stylish and best of all FREE! You do have to store your photos somewhere online but they also recommend some places for that. The site is very easy to use and creates html code that you just paste into your ebay listing.
I found the site by seeing someone else's ebay listing that was using it and it has a link at the bottom for it.