Type Text Directly On A Bitmap Image at Mouse Position - vb.net

Question

I am trying to write (type) directly onto a bitmap. I need to be able to type at the mouse position, so where ever on the screen i click the mouse, I can start typing text with the keyboard.
Here is a working VS 2017 VB Win Form code that will print "Hello World" at the mousedown position. But it only works with predetermined text. I would like to be able to just type at that spot. I feel I am so close, just can't get it to work.
Imports System.IO
Imports System.Windows.Forms.DataVisualization.Charting
Public Class Form1
Dim WithEvents Chart1 As New Chart
Private Structure TextPoints
Dim MPos As Point
Dim Txt As String
End Structure
Private TextList As New List(Of TextPoints)
Private TempPoint As Point
Private FirstPoint As Point
Dim xcnt As Integer = -1
Dim ycnt As Integer = -1
Private Sub Form1_Load(sender As Object, e As EventArgs) Handles Me.Load
Me.Size = New Size(1100, 700)
Me.Location = New Point(10, 10)
MakeBackImage()
With Chart1
.Name = "Chart1"
.Location = New System.Drawing.Point(40, 40)
.Size = New System.Drawing.Size(1010, 610)
.BackImage = "BackImg.jpg"
.Parent = Me
End With
End Sub
Private Sub Chart1_MouseDown(ByVal sender As Object,
ByVal e As System.Windows.Forms.MouseEventArgs) _
Handles Chart1.MouseDown
FirstPoint = New Point(e.X, e.Y)
TempPoint = New Point(e.X, e.Y)
Me.Refresh()
End Sub
Private Sub Chart1_MouseUp(ByVal sender As Object,
ByVal e As System.Windows.Forms.MouseEventArgs) _
Handles Chart1.MouseUp
Dim T As New TextPoints With {
.MPos = TempPoint,
.Txt = "Hello World"}
TextList.Add(T)
Me.Refresh()
End Sub
Private Sub MakeBackImage()
Dim x, y As Integer
Dim img As Image = New Bitmap(1020, 620)
Dim graphics As Graphics = Graphics.FromImage(img)
graphics.Clear(Drawing.Color.White)
For x = 0 To 1000 Step 20
graphics.DrawLine(Pens.Black, x, 0, x, 600)
xcnt += 1
Next
For y = 0 To 600 Step 20
ycnt += 1
graphics.DrawLine(Pens.Black, 0, y, 1000, y)
Next
img.Save("BackImg.jpg", Imaging.ImageFormat.Jpeg)
End Sub
Private Sub Chart1_Paint(ByVal sender As Object,
ByVal e As System.Windows.Forms.PaintEventArgs) _
Handles Chart1.Paint
Dim drawString As String = "Hello World"
Dim drawFont As New Font("Arial", 14)
Dim drawBrush As New SolidBrush(Color.Black)
For Each t As TextPoints In TextList
e.Graphics.DrawString(t.Txt, drawFont,
drawBrush, t.MPos.X, t.MPos.Y)
Next
End Sub
End Class
This is a simplified code. Actually, the background image is only created once, but I added code to dynamically create it here to make the demo better.