You have it backward.It does not explain the Salvation process. It's simple Salvation is by faith. No faith no Grace
MB
No grace...no faith. This is Godward.
Your position, no faith...no grace, is man-centered.
Answer specifically. Who gives faith?
If God is the author of faith (Hebrews 12:2) then faith must come after grace. If man is the author of innate faith that he evokes, then grace does not exist at all. This concept of faith is works based through the effort of a man. Grace is nullified if faith comes before grace.