You will need to acquaint yourself with (a) saving faith, (b) faith as a spiritual gift, and (c) faith as a fruit of the Spirit. How can faith in an unbeliever be the fruit of the Spirit? And why did Paul say that "Faith cometh by hearing, and hearing by the Word of God (the Gospel)?" (Rom 10:17). What is critical right now is for you to stop muddying the waters and bringing spiritual confusion to those who may be searching for the truth. So we must go right back to Acts 16:30-32: And [the jailer] brought them out, and said, Sirs, what must I do to be saved? And they said, Believe on the Lord Jesus Christ, and thou shalt be saved, and thy house. And they spake unto him the Word of the Lord [the Gospel], and to all that were in his house.
A misunderstanding on your part does not constitute a mistake on my part. If what you are reading seems like muddy waters, it's because you're not understanding what's being said.
You section off different types of faith, but the Bible doesn't do that. Faith is faith no matter at what stage. And the faith that saves could never have been our own faith as it needed works in order for it to save.
James 2:14 (KJV 1900)
What doth it profit, my brethren, though a man say he hath faith, and have not works? can faith save him? (The Bible's answer is, no)
Faith is dead all by itself.
James 2:20 (KJV 1900)
But wilt thou know, O vain man, that faith without works is dead?
Therefore, it was always the faith
OF Christ that saved and not man's own faith. How can we be sure? Because whoever exercised the faith must have also exercised the works to make that faith of any effect. That's why it could only have ever been the faith
of Christ accompanied by his work of redemption.
Galatians 2:16 (KJV 1900)
Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified.
Galatians 2:20 (KJV 1900)
I am crucified with Christ: nevertheless I live; yet not I, but Christ liveth in me: and the life which I now live in the flesh I live by the faith of the Son of God, who loved me, and gave himself for me.
And, I never said an unbeliever can have or bear the Holy Spirit. Please go back and check. I said that God first has to save an individual and give him the Holy Spirit before he can believe in a way that God requires. That is because true belief was never a requirement for salvation, it was evidence of it. Once God regenerated someone through the hearing of the gospel, that individual was given a new heart and a resurrected immortal soul. Now, is when this individual has the desire to obey all of God commandments, like believe, repent, etc. because these are all works which could never save to begin with.
These works are done to demonstrate our love for Christ, not to become saved. If we love him, we keep his commandments. And we love him because he loved us first. I have given you example after example of this, but it seems like you have not looked into any of those examples. Nevertheless, I will keep providing them if you want additional information. Let's take Saul of Tarsus as our next example. Did Saul make a profession of faith when God saved him? Did he "accept" Christ as his personal Lord and savior? Did he come with a repentant heart before Christ and so become saved?
NO WAY. Saul
persecuted and killed those who preached Jesus Christ, just like the Pharisees did to Christ himself. But what made Paul any different? Was he having second thoughts on the way to Damascus? Again, no way.
But what had to happen first before Saul would finally follow and preach Christ? God saved him. Paul gives us an account of how he became saved, so we don't have to guess or hypothesize.
Galatians 1:13–16 (KJV 1900)
For ye have heard of my conversation in time past in the Jews’ religion, how that beyond measure I persecuted the church of God, and wasted it: 14 And profited in the Jews’ religion above many my equals in mine own nation, being more exceedingly zealous of the traditions of my fathers. 15 But when it pleased God, who separated me from my mother’s womb, and called me by his grace, 16 To reveal his Son in me, that I might preach him among the heathen; immediately I conferred not with flesh and blood:
In God's own time, He revealed to Paul, who was chosen, that the same Jesus whom he was persecuting, was inside him. God worked his work of salvation in the life of Paul despite his resistance to the gospel of Christ.
Acts 9:5 (KJV 1900)
And he said, Who art thou, Lord? And the Lord said, I am Jesus whom thou persecutest: it is hard for thee to kick against the pricks.
Saul, was compared to a stubborn mule who kicks against the pricks that make the mule travel in a certain direction. Paul was going in the wrong direction spiritually until God revealed that Jesus Christ was already in Him. In other words, Paul became saved first, then he became obedient to God's commandments. And lo and behold, God tells us that Saul's salvation account serves as an pattern for everyone who would come to believe.
1 Timothy 1:16 (KJV 1900)
Howbeit for this cause I obtained mercy, that in me first Jesus Christ might shew forth all longsuffering, for a pattern to them which should hereafter believe on him to life everlasting.
And lastly, let's go over the meaning of Rom 10:17.
Romans 10:17 (KJV) So then faith cometh by hearing, and hearing by the word of God.
The "hearing" being spoken of here is not physical hearing but spiritual hearing. Faith comes by having your spiritual ears opened by God. And the spiritual opening of the ears (which is salvation) came by the Word of God.
This is why the gospel (the Word of God) had to be preached in all the world, so that God could apply his spoken word to each and everyone he chose to save and
give them ears to hear, meaning,
give them salvation. Remember Saul of Tarsus.
Now we can understand why Christ often said, "
he that hath ears to hear let him hear". Well, physically, everyone had ears to hear (unless they were deaf), but that's not what Christ was referring to. Christ was speaking to those who had already become saved, as they were given
ears to hear the spiritual truths of Christ. As opposed to some Pharisees who thought they were children of God, but they did not have salvation. In other words,
they did not have ears to hear.
John 8:47 (KJV) He that is of God heareth God's words: ye therefore hear them not, because ye are not of God.
This wouldn't agree with the scriptures if Christ was talking about physical hearing in John 8:47. Likewise with Romans 10:17. Faith indeed comes by having
ears to hear (hearing) and having ears to hear (hearing) came by the effectual power of the gospel, or the Word of God (which is Christ).