auctionlistingresource.com generates html code that you paste into your ebay listings to create nice borders. It doesn't host your pictures, but you can use a free site like photobucket (the sites suggestion), and then you just put your picture links into the creator and they will show on ebay along with your template/borders. You can have up to 10 pics in a listing.
It is kind of cool because you can create different colored border themes. And the part I really like is that it is free