How do I create this at home? What programs would I need?

Most of the online printers have these cards ready to go, just insert your text and photos. Here is an example a href="http://www.shutterfly.com/cards-stationery" rel="nofollow"http://www.shutterfly.com/cards-statione…/a . Better quality here a href="http://www.mpix.com/Products.aspx" rel="nofollow"http://www.mpix.com/Products.aspx/a .