I'm not sure how you missed this in your studies, Van, but I see the Scripture saying differently:
" But to him that worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness.
6 Even as David also describeth the blessedness of the man, unto whom God imputeth righteousness without works,
7 [saying], Blessed [are] they whose iniquities are forgiven, and whose sins are covered.
8 Blessed [is] the man to whom the Lord will not impute sin." ( Romans 4:5-8 ).
" Yea doubtless, and I count all things [but] loss for the excellency of the knowledge of Christ Jesus my Lord: for whom I have suffered the loss of all things, and do count them [but] dung, that I may win Christ,
9 and be found in him, not having mine own righteousness, which is of the law, but that which is through the faith of Christ, the righteousness which is of God by faith: " ( Philippians 3:8-9 )
" knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified.
17 But if, while we seek to be justified by Christ, we ourselves also are found sinners, [is] therefore Christ the minister of sin? God forbid.
18 For if I build again the things which I destroyed, I make myself a transgressor.
19 For I through the law am dead to the law, that I might live unto God.
20 I am crucified with Christ: nevertheless I live; yet not I, but Christ liveth in me: and the life which I now live in the flesh I live by the faith of the Son of God, who loved me, and gave himself for me. " ( Galatians 2:16-20 ).
According to the above, whose faith does the believer have?
I see that it is the faith of Jesus Christ.
What are they justified by?
I see that it is by the faith of Jesus Christ.
Where does that righteousness come from?
It is "of" ( by or from ) God by faith.