Hi Frank,
This software allows you to build your site directly from your web browser.
There are ways to download it and do it on your computer, but for a newbie I would not recommend it, as it entails setting up a server, which in itself can be a bit of work!
What I do recommend - though you should ask others on the forum, is to get your site live as soon as possible, even if it is not finished! The reason I say that is that it can take some time for your site to show up in search engines. And if you wait until your site is perfect before you launch it, you may find that if you are not promoting it right, you will get no traffic for some time.
That is what I have read, and experience in the past anyway.
Wordpress has a lot of templates available for free. But if you want some created, they can also be created for you.
Check out the Wordpress theme viewer for some templates:
Theme Viewer
Hope that puts you on the right track!
Cheers