Now human faith is before Salvation, now if you count on that faith, that's salvation by your works, by something you do or that is in you. In fact human natural faith is law keeping Matt 23:23
23 Woe unto you, scribes and Pharisees, hypocrites! for ye pay tithe of mint and anise and cummin, and have omitted the weightier matters of the law, judgment, mercy, and faith: these ought ye to have done, and not to leave the other undone.
So be my guest, if you insist that your human faith is required for your salvation, you are under the law !