ummm here's one the is actually an "action" you can run on your pics:

Photoshop Action!

Framing a Picture tutorial if you want to try it by "hand" - (you can also find some "framing" tuts on PlanetPhotoshop)

Adobe Studio Exchange (if you're already a member, might need to join up otherwise... it's okay, it's free)

maybe others have more URLs, i know of a few more (but you DID say "FREE")

see you around
:)
scott