IrfanView will create an html thumbnail page from selected images.
From the Thumbnail module File | Save Selected as HTML - from this dialog there's a bunch of different parameters, very comprehensive.
http://www.irfanview.com/
If you want to rename your files in some type of meaningful way you might want to look at Lupas Rename:
http://rename.lupasfreeware.org
Lupas also allows you to pull many of the tags present in digital images into the filename - also works with audio file tags.
By the way, I'm using UR in conjunction with a Real Estate office also, and this solution for handling images is very clever and useful.
Later,
KenA