We have heard a lot about how one has faith. Calvinist state it is infused after regeneration and Arminians and other Non Calvinist simply accept what the Bible teaches. Lets look at the facts: 1) Romans 10:17 So faith comes from what is heard, and what is heard comes through the message about Christ. 2) The result of faith is salvation: This is the message of faith that we proclaim: 9 if you confess with your mouth, "Jesus is Lord," and believe in your heart that God raised Him from the dead, you will be saved. 10 With the heart one believes, resulting in righteousness, and with the mouth one confesses, resulting in salvation. 11 Now the Scripture says, No one who believes on Him will be put to shame, 12 for there is no distinction between Jew and Greek, since the same Lord of all is rich to all who call on Him. 13 For everyone who calls on the name of the Lord will be saved. 3) Jesus said in Luke 7:50 And He said to the woman, "Your faith has saved you. Go in peace." This verse supports Paul's teaching that faith is frist and salvation is second 4) Titus 3:5 defines Saved (salvation) as follows: He saved us not by works of righteousness that we had done, but according to His mercy, through the washing of regeneration and renewal by the Holy Spirit As everyone can see before a person can believe they must hear the truth, repent, believe and then they are regenerated.