Why Does Faith Save?
Faith doesn't save in the same way God saves. God alone 
is the saviour and faith is the instrumental means by which his 
salvation comes to us. Faith is the work of God (Philippians 1:29 and 
elsewhere) but it is personal to the individual. That is, the sinner's 
faith is the sinner's faith and not God's. It is the sinner who does the
 trusting and submitting that result in salvation. However many 
instruments God uses in bringing the sinner to saving faith it is the 
sinner who does the believing and the trusting and the obeying. The 
sinner will not take the credit for any of this as if he had virtue 
enough to respond to God without God giving him aid. Just the same, when
 God has completed his holy loving work the sinner has freely given 
himself to God. In short, God doesn't coerce the sinner and the sinner 
by God's grace is personally involved in the process of his salvation. 
The sinner places his faith in God who saves him. 
Faith saves the sinner because it is a confession that he cannot deal
 with his sin problem and must wholly rely on God to bring 
reconciliation and life. Faith points away from the sinner and points to
 God the saviour. Ask the believer, "Who saved you?" and because he has 
faith he points away from himself to someone else!
Faith saves the sinner because it rests on the work of reconciliation
 that God accomplished in the Christ who went to the cross to bear our 
sins. Faith says that the sin problem was not dealt with by his own 
goodness, much or little, but by God who reconciled the world to himself
 in Jesus Christ. So faith not only confesses a total reliance on God to
 forgive and save, it confesses a total reliance on the God who bore the
 sins of the world on the cross. In resting on that God and that work 
the sinner doesn't have to (and does't want to) rest on his own virtue 
or obedience or his own faith. This is what faith confesses and that is 
why it saves.
Faith saves the sinner because faith gives God the homage that is due
 to him. Sinners need to understand that God doesn't call people 
"righteous" when they are impenitent in their evil. They also need to 
understand that God cannot fellowship those who insist on living in 
darkness and being darkness (Ephesians 5:8-9). If a person is in 
fellowship with God he must be righteous. But how does he stand 
righteous before God? In and only in Jesus Christ. Yes but how does the 
sinner gain that righteousness that is found only in Jesus Christ? He 
gains it by faith. Without faith he doesn't gain that righteousness 
which is found in Christ alone. But why is it that faith gains that 
righteousness that enables the sinner to live in fellowship with God? 
Because faith embraces all that Jesus is and stands for and offers that 
(him) to God.
Faith approves of Christ who has come on God's behalf to reveal his 
holiness and the nature of the sinner's offence. Faith approves of 
Christ who came on God's behalf to reveal that in him is no darkness at 
all. Faith willingly and gladly embraces Christ who stands as humanity's
 representative and offers to God the homage due him. In doing this 
faith offers God his own heart in regard to righteousness and holiness. 
Christ becomes the wisdom and righteousness and power of God to the one 
who has faith (1 Corinthians 1:24, 30). This only faith can do and faith
 can do this only because it claims Christ as all truth and all 
righteousness. Faith, in doing this and being this, transforms the 
sinner's heart from one that belongs to an impenitent rebel to one that 
belongs to a grateful and reconciled child of a Holy Father. The 
prodigal has come home not because the pig-pen was miserable, not 
because his latent righteousness came to the surface but because the 
nature and person of his father created in him the holy longing for his 
fellowship.
Faith says "Amen" to God's judgement against sin as it is revealed in
 Jesus Christ on the cross. A heart of faith has Christ at its centre 
and a heart that has Christ at its centre has God at its centre. A heart
 like that is reconciled to God (in and by Jesus Christ through faith). 
By faith in Jesus Christ the sinner is no longer a rebellious enemy who 
delights in holding God in contempt. Since he has a heart like God's 
heart in and through Jesus Christ by faith he is truly righteous. That's
 how and why faith saves--it reconciles us to God by realigning our 
hearts with God in and through Jesus Christ. 
I think the above is accurate but I feel the need to make an 
additional remark. It's right to say that faith reconciles us to 
God--and we should. But the truth about faith is even richer than that. 
Faith not only reconciles us to God, it is 
reconciliation with God. It isn't only the way to reconciliation with 
God it is the mark and proof of reconciliation with God. Faith = a 
transformed heart.
   
   
  
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