Selah
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Hebrews 11:1-3 (NKJV) 1 Now faith is the substance of things hoped for, the evidence of things not seen. 2 For by it the elders obtained a [good] testimony. 3 By faith we understand that the worlds were framed by the word of God, so that the things which are seen were not made of things which are visible.The very definition of faith given in Hebrews 11:1 is proof enough for me. The declaration by Paul concerning faith in Romans 10 is proof that it is not a gift from God.
Romans 10:8-10 (NKJV) 8 But what does it say? “The word is near you, in your mouth and in your heart” (that is, the word of faith which we preach): 9 that if you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. 10 For with the heart one believes unto righteousness, and with the mouth confession is made unto salvation.
It’s by having faith in Jesus Christ that we are saved. Now how do we obtain this faith? …by hearing the Word of God—by studying it with understanding, seeking it out with all your heart.
Romans 10:17 (NKJV) So then faith [comes] by hearing, and hearing by the word of God.
God’s unmerited favor (grace) is the free gift given to those who have heard His Word (or, in my opinion, have read and studied His Word and BELIEVE it—believe in Jesus and all His promises to us). Check out, for example, this Wonderful promise given right here by our Father:
1 John 2:24-25 (NKJV) 24 Therefore let that abide in you which you heard from the beginning. If what you heard from the beginning abides in you, you also will abide in the Son and in the Father. 25 And this is the promise that He has promised us--eternal life.
Selah