I downloaded a Flower border from the internet, how do I write inside the border

I downloaded a flower border from the internet how do I write inside the border Please!!

Can you please add the link to that border?

I would create a layer for the border, and then lock it. Then create a text layer, pick the text tool and just overlay the text on top of layer with the border image. You can write inside an image by clicking on it, but it is not very flexible. Working in layers is better.