Once I have figured out how to apply text to an image, I’ll work on the meshing the layer thingies... heh
Save the text as an image. Yes, you can do that. Even in the word processor program.
Open another window in GIMP with the text image, make the background transparent instead of white, copy and paste into the image you want to modify.
It's so easy a cook could do it.
I left out an important step... getting rid of the original text but retaining the background, but I've given enough hints. 5 layers, to do it fast. 3 layers to do it with panache. ;)
/johnny