some people make their own from various songs that they like. I am not COMPLETELY certain how to do that but there is software that you can use for that. I have a friend who wrote a song for a program that he was writing. He sent it to me to listen to and when i was loading music on to my phone i dumped that into my ringtone folder. That is now his ringtone.
Otherwise I have always used Verizon's website for ringtones. I have never figured out how to transfer ringtones from one phone to another (i don't think it can be done since they are also different manufacturers.) so i am trying to avoid it until i can figure out if i can make my own ringtones or not. Tired of giving VZW more money darnit!