If Jesus saved us by doing something in us by the Holy Spirit, then there would not have been a need for the incarnation. Jesus could have stayed in heaven and could have sent the Holy Spirit into the world to transform people into his likeness. No life, death and resurrection of Jesus needed. Of course, that would never work because we are not saved by being like Jesus, although many believe that we are.
Jesus saves us, not by doing something in us, but by doing something that is totally and completely outside of us. Paul wrote, "But God commended his love towards us, in that while we were yet sinners, Christ died for us" Romans 5:8. Our salvation took place over 2,000 years ago before we were born. How does Jesus save us? Jesus saves us by fulfilling all of the demands of God's law. Jesus saves us by atoning for our sins. All that Jesus is, and all that Jesus did, was for our justification and our salvation.
This is why we are saved and justified by faith alone. The work of salvation has ALREADY been done. Before Jesus died on the cross, he said, "It's finished" what he meant by that is that salvation had been provided for everyone, Hebrews 2:9. No one needs to be predestinated, no one needs to be holy. Salvation has been provided for all that do nothing more than call upon his name, Romans 10:13.
But many will say, no, we must be baptized, and others will say, we must keep the commandments, and then the Calvinist will say you must be predestinated. The "We musters" appear to be endless. All that is required of us is that we believe in Jesus, we believe that Jesus fulfilled the law for us, we believe that Jesus atoned for our sins. That's it. Nothing more is required. Salvation is by faith alone, because it is by Christ alone.
Jesus never once taught that faith was given , granted or a gift .He said " YOUR FAITH " has saved and healed you. Not the faith I gave you healed you.
Luke 7:50
And he said to the woman,
Thy faith ( not the faith I have given you )
hath saved thee; go in peace.
Luke 8:48
"Daughter," said Jesus, "
your faith (not the faith I have given you )
has healed you. Go in peace."
Luke 17:19
Then Jesus said to him, "Rise and go;
your faith( not the faith I have given you )
has made you well!"
Luke 18:42
"Receive your sight!" Jesus replied. "
Your faith(not the faith I have give you )
has healed you."
Matthew 8:10
When Jesus heard this, He marveled and said to those following Him, "Truly I tell you,
I have not found anyone in Israel with such great faith.
Matthew 8:13
Then Jesus said to the centurion, "Go! As
you have believed, so will it be done for you." And his servant was healed at that very hour.
Matthew 9:2
Just then some men brought to Him a paralytic lying on a mat. When Jesus saw
their faith, He said to the paralytic, "Take courage, son; your sins are forgiven.
Matthew 9:22
Jesus turned and saw her. "Take courage, daughter," He said, "
your faith has healed you." And the woman was cured from that very hour.
Matthew 9:29
Then He touched their eyes and said, "According to
your faith will it be done to you."
Matthew 15:28
"O woman," Jesus answered, "
your faith is great! Let it be done for you as you desire." And her daughter was healed from that very hour.
Mark 5:34
"Daughter," said Jesus, "
your faith has healed you. Go in peace and be free of your affliction."
Mark 10:52
"Go," said Jesus, "
your faith has healed you." And immediately he received his sight and followed Jesus along the road.
John 4:53
So the father knew that
it was at the same hour, in the which Jesus said unto him, Thy son liveth: and
himself believed, and his whole house.
hope this helps !!!