You got it. PhotoShop magic. :-)
I make a plain graphic with a background pattern that matches the bkgd I am using, then layer a graphic over it, vignette and then fade it into the background. Then I add my text, crop it and...voila! The only problem I have encountered is when I try to use a background with an obvious pattern/design to it. There is no way to line up the graphic and have it blend in. The edges of the graphic should not show, so backgrounds like I used today work out well.
You are right about being able to have the text the way I want it. By adding text to the graphic, everyone will see the font as I want it to be seen.
More than you needed to know, huh? ;-)