And yet according to Scripture were not saved by faith alone. We're saved by obedience, holiness, keeping the commandments, loving God, loving each other, forgiving each other, doing good, feeding the hungry and clothing the naked, putting to death the deeds of the flesh, no longer being a slave to sin. These are works of grace, and the avenue to that grace, to that life of God in the Spirit, is faith. We're saved by faith, via faith, through and on the basis of faith (Phil 3:9)-but not by the mere act of faith alone. And not because faith guarantees that we'll do those things. Faith is the vehicle to the love that puts God first and acts for the good of the other as it's the vehicle to God, Himself, the Source of that love. So, love does those things and that love is both a supernatural gift and a human choice, to embrace and express that gift. We're saved unto righteousness, holiness, without which we won't see God; otherwise we'll remain in our sins, condemned. Or we can taste of the heavenly gift and fall back away (Heb 6:6), come to the knowledge of Christ and then become entangled in the world again. (2 Pet 20). `
Paul said this,
"...if I have a faith that can move mountains, but have not love, I am nothing." 1 Cor 13:2
Augustine said this,
"Without love faith may indeed exist, but avails nothing."
Paul, again,
"The only thing that counts is faith working through love." Gal 5:6
We must do our part; we must pick up our cross and follow daily. Then He judges how we've done with the gifts given. We cannot possibly be saved apart from God, but we can still refuse to be saved at the end of the day. It has do do with how we've lived, not just what we say we've believed.