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Hi Scotzman, I am also new to owning a Fusion but can help with a couple of your questions. My fusion had two noises which are being corrected as I type this, one was a chatter at about 1000 revs, the tensioner is being replaced to rectify this; the other was a squeal when taking up drive and this is apparently a gearbox mounting. replacing the belt requires, I believe, the offside front wheel to be removed along with the inner wheel arc liner. The belt is then assessible. Ford advise the replacement of the timing belt at 100K, check that this was done on . best of luck.