Yup and i use Lockscreen for the same purpose. The app comes with custom screen images and the ability to load more but can use any picture in your Camera Roll. Not sure about "Over" but lockscreen is good because it saves the text, Font, size and position so that you can attach it to any other picture at a later date.
I don't think anyone has mentioned this tip, but you can move multiple apps at once by:
1. press and hold on an app until they all jiggle
2. drag the app down a bit and keep your finger on it
3. while continuing to hold on the app, tap any other apps that you want to move and they will all lock onto the app you're holding
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