It is completely and totally the work of Christ and His sacrifice on the Cross. Faith is not merely a profession, but a change in behavior and actions. It involves yielding our wills and committing our total being to Him. Faith involves repentance and turning from your life of sin with true sorrow and grief, and turning to God through Jesus. True saving faith is always a repentant faith.
Godly sorrow brings repentance that leads to salvation and leaves no regrets.
Faith involves obedience to Jesus Christ and His word. Our faith changes and inspires our way of life, not only because of our gratitude to God, but also through the regeneration of the Holy Spirit. It expresses itself through loyalty, trust and gratitude. I came into your house. You did not give me any water for my feet, but she wet my feet with her tears and wiped them with her hair.