If we're talking about a 2.0 L Ztec, this sounds very much like the classic lower timing belt idler disintegration problem. The sound is somewhat like chains rattling.
I would first check for looseness of the water pump pulley.
Assuming the 2.o L Zetec:
If that is OK, and f the problem is repeatable I would say remove the serp belt and start the engine for a moment and see if the noise goes away ( belt is not the easiest to remove but necessary to do for this test). Make sure you mark the direction of the belt before removing it so it can be reinstalled in the same orientation.
If the noise goes away, I would initially eliminate the timing belt. If it remains, I would suspect an idler has disintegrated. It is best to check this immediately before the idler completely disintegrates and parts bet between the belt and the gear. You can check the upper tensioner and idler by removing the upper plastic cover (4 bolts and some bending and twisting was necessary on my '98 Mystique cover with VCT. Depending on the year of the engine and whether it is VCT, it may be easire on yours.)
If these look OK, you would need to remove the right front wheel and splash guard, then remove the crank pulley and the lower timing case plastic cover. You can then see the lower idler and check its condition. If you replace the idler, you should do the whole set as well as the timing belt and adjust the tension according to the factory service bulletin.
My lower idler went at 75K miles, well before the timing belt was due for replacement.