One of the best sites to get fonts for free: http://www.dafont.com . You will need a photo editing program to put the text on the frame/picture… GIMP is free for example: http://www.gimp.org/windows
do you want your own or someone elses hand writing or do you just want a font that looks like someones hand writing?
plenty of free fons based on peoples handwriting so its just a question of getting one you like installing it on your computer and belting away with a graphics package.
If you want to use your own I suppose the best way would be to write what you want on a sheet of paper scan it in and play around with it in photoshop to remove the background there are apps out there that create fonts and you could use your own hand writing as a basis for that.