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There are two types of faith. One type of faith is willingness to believe in something, which isn’t proved, or a hope in something that may be. Then there is a saving faith, which is granted by God to those who He has elected, and predestined.
The first type you might have had in a person. For instance, perhaps they told you that they would do something for you, and you believe that they will. Then you act on that faith in hopes that they will fulfill their promise to you. Some people have that type of faith in God, in a general sense. They believe there is a God, and they hope He is merciful. They might even believe He is merciful. They might even believe they are saved. Have you talked with someone who has many heretical beliefs, bad fruit, and still insists that they are a Christian? I’m sure you probably have. This person doesn’t have the second type of faith.
The second type of faith is the saving kind. It isn’t something we can come to without God. It must be granted to the person by God. You can want to believe, but without God granting it, you could never have it. Have you ever been talking with someone, sharing the gospel with them, and had them say, “Wow! That really sounds like a great gift, I just can’t believe in a God that would_______.” They can understand the gospel intellectually, they might even like it as a philosophy, but they just can’t believe it.
The second type of faith, when God grants it to a person, allows them to believe in Him rightly. It allows them to believe in the work of Jesus on the cross. Without it the cross is just another mythology. The true believer has the faith to do things that doesn’t make sense to the world. We have the faith to put into practice the doctrines of the Bible. God fulfills His promises and makes effectual that which He has willed. The believer will produce fruit in keeping with the spirit of salvation. The believer will persevere until the end. The believer will operate with the presupposition that the Bible is true. The believer will love Jesus. The believer will love others. You get the idea. They don’t do the things they do because they want to believe, they do them because they actually believe. This is a gift from God. It is coupled with true repentance when a person is justified by Christ.