Salvation is a boarder term, when bible speaks about salvation, it speaks about many aspects of salvation
"First, salvation as an accomplished fact, "Your faith has saved you" (Luke 7:50), "by grace you have been saved" (Greek, and so translated in the R.V.—Eph. 2:8), "according to His mercy He saved us" (Titus 3:5).
Second, salvation as a present process, in course of accomplishment, not yet completed, "Unto us which are being saved" (1 Cor. 1:18—R.V.); "Those who believe to the saving (not 'salvation') of the soul" (Heb. 10:39).
Third, salvation as a future prospect, "Sent forth to minister for them who shall be heirs of salvation" (Heb. 1:14), "receive with meekness the engrafted Word, which is able to save your souls" (James 1:21), "Kept by the power of God through faith Studies in the Scriptures July, 1938 20 unto salvation, ready to be revealed in the last time" (1 Peter 1:5).
Thus, by putting together these different passages, we are clearly warranted in formulating the following statement—every genuine Christian has been saved, is now being saved, and will yet be saved—how and from what, we shall endeavor to show.
As further proof of how many-sided is the subject of God's great salvation and how that in Scripture it is viewed from various angles, take the following, "by grace are you saved" (Eph. 2:8), "saved by His (Christ's) life" (that is) by His resurrection life (Romans 5:9), "your faith has saved you" (Luke 7:50), "the engrafted Word which is able to save your souls" (James 1:21), "saved by hope" (Romans 8:24), "saved yet as by fire" (1 Cor. 3:15), "the like figure where unto baptism does also now save us" (1 Peter 3:21)."
If we believe that we are capable of working up faith in our souls, we cannot boast in Christ alone. But if we understand that we have faith only because of the work of the Holy Spirit, then we can truly give God all the glory for our salvation. We are not to look at ourselves as better than others because we believe the gospel; rather, we are to be profoundly grateful that God has chosen to grant us faith even though we are undeserving sinners.
"First, we must look at the ultimate origin of our faith. Without a doubt, most modern evangelicals believe that human beings have an innate capacity for Godglorifying faith — that even unregenerate sinners are able to work up trust in the gospel and that faith comes before a changed heart. Despite the popularity of this view, it is inconsistent with biblical revelation.
Romans 8:7–8 explains that it is impossible for minds set on the flesh to please God and obey Him. People who are not in Christ are in the flesh, so they lack the ability to do the Lord’s will. Since His will for us is that we trust in His promises, unbelievers are incapable in themselves of believing in Christ Jesus for salvation. Furthermore,
John 3:3 says that we cannot even see the kingdom of God unless we are first born again by the Spirit. If we cannot see God’s kingdom, we can by no means enter it. In sum, faith can arise only from a new heart. To put it in theological categories: regeneration precedes faith."
Thus faith is a gift of God.
You are already dead in your sins and trespasses, read Ephesians 2nd chapter,
Dead person cannot have faith, because he don't have any life.
Gospel is power of God, by which sinner comes to life by grace through faith in Jesus Christ,this is a miracle work of God.
Note: the quotes are taken from other people's works
