Hi GF, there is a difference between the terms, "regeneration", and being, "saved/justified". The "regeneration" part, or quickening of our hearts of stone ..
Ezekiel 36:26; John 3:3 (which are dead in trespass and sin .. Ephesians 2:1-3) is something that God alone does for us (I believe the RCC, and others, understand regeneration as something that happens during baptism, typically as infants).
After we are regenerated or "
born again", we are the ones who do the believing, of course, but only because God has first enabled us to do so (because of being "regenerated"). This is why "saving faith" is rightly said to be a "
gift" from God (
Ephesians 2:8). This is also why our initial choice to "believe" is not seen as a "work" on our part, because our saving response to Him in faith is only possible because of Him.
The Bible also teaches what it does in
Romans 3:10-12 concerning seeking God apart from His grace, and
1 Cor 2 is very clear about the problem we all face as non-believers/"natural" men and women, our "condition" that stops us from coming to faith apart from His help in doing so.
"A natural man does not accept the things of the Spirit of God, for they are foolishness to him; and he cannot understand them, because they are spiritually appraised." ~1 Corinthians 2:14
So coming to Christ as a "natural man" would be impossible, obviously (see again
Ephesians 2:1-3 which describes us as being "
by nature, children of wrath" outside of Christ).
Quite frankly, all of this (quickening/regeneration, faith, justification) may happen at basically the same time, but for the sake of understanding, that is the order of salvation as the Bible seems to teach it.
If faith preceded regeneration, that would mean that our justification is, at least to a degree, something that is "merited" by us (because it is something we would choose to do on our own, IOW, APART from His grace), justification then becoming (in part, at least) the "reward" for our obedient behavior.
This is part of the reason we Calvinists believe what we do. If you'd like to look into this further, there is really only one book to recommend as the place to start, Dr. R C Sproul's little book called,
Chosen by God.
Yours and His,
David
"As many as had been appointed
to eternal life believed"
Acts 13:48b