Designing an HTML template for listings

HI... CAN ANY ONE PLEASE. GIVE A SUGGESTION ON HOW TO MAKE A HTLM DESIGN FOR PERSONALIZED LISTING I WANT TO USE MY OWN TEMPLATE ADDING PICTURES FOR MY LISTINGS TO AVOID EBAY'S PICTURES FEES... WHAT PROGRAM SHOULD I USE? CAN I USE PHOTOSHOP? OR ANY SUGGESTIONS THAT YOU CAN GIVE ME I WILL REALLY APPRECIATE!!

THANKS!! :D :D

IVAN R.

you can use auctiva.com to get the template, it's free too. thanks