Ford mod motors (4.6/5.4) are OHC with timing chains.
You still have maintenance with timing chains and it's even more expensive. Hydraulic tensioners and guides are the most common culprits, esp on OHC engines where the chains are extremely long. They make nerve wrecking ticking and rattling noises when they are going out. You have to replace the sprockets and chains at the same time, esp if the sprockets have plastic teeth.
Why don't you just learn to do timing belts yourself and save some cash? It's not a difficult job, just annoying. Most of the cost to have someone else do it is labor. It's billed for several hours even though you can do it yourself in an an hour or two if you've done it before. You'll learn something and get a better sense of pride in your ride.