Title is wrong, you aren't asking for help, but someone to do the job for you. Adding the text is not really part of the design process.
You will most likely have to make business with a local printer, who will ask for bleeds, and what not, (if they aren't properly made to HIS standards (trust me, they vary from printers to printers), they WILL charge you extra buck, just for that 5 min job that is correctly applying borders and bleeding marks.
In all honesty if you want to have a
decent job done, that will give you no problems afterwards, you will have to pay someone, either FG or even real money...
Here is a quick design I made in photoshop (this is not vector format).
It's probably the only thing free I'll ever do here and I did it just because I think I'm a douche when it comes to this, but those free design requests things are getting odd!
If you want to have something like this, it takes an average of 15 minutes per template designs (so 1 hour for 4 images).
The thing that really bothers me is the way you ask for this service : someone will "help" you do the design, these "little backgrounds".
I mean, come on man way to give value to the work of the one that is willing to help you?
Good luck to you sir.