Those don't necessarily look like a PS/Illustrator design. I think you can make some on the website like Picnik or some website like that. I know a few people on here have used that to make similar invites.
I used Photoshop; I think I purchased the bunting element for a
few bucks from Etsy. If it's something you do want to put together
yourself, it is possible to find free elements to use (google free
digital scrapbook + whatever element you're looking for - that's how I
found the flower). But Etsy is a good cheap option too if you find a design you like.
Re: Photo Invites w/ Words Printed?
Mine was $14 on etsy. I bought it, emailed her the pic and deets, and she filled it in for me. She also touched the photo up a little.
Also used Etsy. They have every theme under the sun. Mine was $15 and she was super fast.