If God gifts you with faith is it not yours or is it your neighbors. He is the author of our faith. He is also the prefector of our faith. So where does that leave us in all this but the recipients of this wonderful work of God.
The gift in the redemptive process is Grace, Adoption, Salvation, Justification, and Glorification. All this as a result of our, your, their, his, or her faith in God's Grace:
Man's faith in Christ is not a work. This is one of the fundamental flaws of Calvinistic Theology.
Note the following:
The Process of Salvation
Regeneration and the language of SALVATION, how is one saved, or what must I do to be saved according to Scripture.
What does regeneration mean? New birth
The Greek word for regeneration is only found in two N. T. passages, Matthew 19:28 and Titus 3:5.
Matthew 19:28 And Jesus said to them, "Truly I say to you, that you who have followed Me, in the regeneration when the Son of Man will sit on His glorious throne, you also shall sit upon twelve thrones, judging the twelve tribes of Israel. This regeneration will take place at the beginning of the millennial kingdom, and speaks about change in the earth as Christ rules and reigns in Jerusalem.
If you do not hold to this view of the end times and believe in only a second coming then eternity this verse would apply to that position too for it is a solid verse that points to the time of the second coming regardless of eschatology. What we are establishing here is that this particular regeneration is not associated with the new birth of a lost person, salvation in Christ.
According to Titus 3:5 salvation is by the washing of regeneration and renewing by the Holy Spirit. We know that regeneration means new birth. If we only had this verse that addressed salvation we could conclude that faith is not necessary in the process,
but that is not the case.
Titus 3: 5.
He saved us, not on the basis of deeds which we have done in righteousness, but according to His mercy,
by the washing of regeneration and renewing by the Holy Spirit;
2 Thessalonians 2:13. But we should always give thanks to God for you, brethren beloved by the Lord, because
God has chosen you from the beginning
for salvation through sanctification by the Spirit and faith in the truth.
2 Thessalonians further defines the salvation of a person. Notice that the person saved is describe as someone chosen from a beginning. Wherever you place the beginning is not the important point in this verse, but the process. If you see beginning as prior to creation or within creation the beginning is not the truth being expressed by this verse, salvation is the central teaching of the verse. Titus 3:5 tells us salvation is by the washing of regeneration and renewing and 2 Thess. 2:13
salvation is by sanctification of the Spirit and faith in the truth.
Now we have a broader understanding of the salvation of people. The Holy Spirit regenerates, renews and sanctifies unto salvation
by faith in the truth. This would be the clear conclusion of these two verses. Briefly, 2 Thessalonians 2:13 tells us what Titus 3:5 assumes the readers understands,
salvation is through or by sanctification by the Spirit and (by) faith in the truth.
1. Salvation is by the washing of regeneration and renewing by the Holy Spirit Titus 3:5
2 Salvation is by sanctification by the Spirit and faith in the truth, 2 Thess. 2:13
Also, it can be concluded that He saved us
..by the washing of regeneration (new birth) and renewing by the Holy Spirit which is synonymous with God has chosen you
for salvation through sanctification by the Spirit, not to exclude and (by) faith in the truth.
The point here is that regeneration, renewing and sanctification are descriptions of what new birth is. When a person is saved he is regenerated, renewed and sanctified.
They all happen at the same time and are the elements of true conversion.
Read carefully Acts 26:16:
Acts 26:16. 'But get up and stand on your feet; for this purpose I have appeared to you, to appoint you (PAUL) a minister and a witness not only to the things which you have seen, but also to the things in which I will appear to you; 17. rescuing you from the {Jewish} people and from the Gentiles, to whom
I am sending you, (Paul) 18. to open their eyes so that they may turn from darkness to light and from the dominion of Satan to God, that they may receive forgiveness of sins and an inheritance among those who have been sanctified by faith in Me. Paul is witnessing to people about the gospel and all the benefits that are given to the one believing is by faith in Christ.
We know from:
1. Salvation is by the washing of regeneration and renewing by the Holy Spirit Titus 3:5
2 Salvation is by sanctification by the Spirit and faith in the truth, 2 Thess. 2:13
Therefore Acts 26:16, 17 and 18 is telling us that Paul is responsible to witness to the Gentiles and in doing so by his witness for Christ to open their eyes so that they may turn form sin and receive forgiveness of sins and be sanctified by faith in Christ. We know that salvation is described as regeneration, renewing and sanctification by the Spirit all by faith in the truth. Acts 26:16 clearly tells us that forgiveness of sins and an inheritance (equivalent to salvation) belongs to those who by faith in Christ are sanctified. This agrees with Titus 3:5 and 2 Thess. 2:13.
Therefore we now have three verses that teach salvation is by faith and this salvation experience is described as regeneration, renewing and sanctification, and now forgiveness of sins and an inheritance. To say it another way ones faith in Me Christ results in regeneration, renewing, sanctification, forgiveness of sins, and an inheritance, again all this by faith in Christ. 
