When using MOO's online tools to "design your own" there are a number of different layout options. Most of these allow for text to be added, but not over an uploaded image.
There are two alternative options which will allow you to overlay your image with some text:
- use MOO designs that allow for text over image, perhaps Welcome Home or Home from Home. You can use our "use my own photo" filter on the left hand-side of the "browse MOO designs" page
- create a design using desktop software like Adobe Illustrator or Photoshop - we have templates available here