Faith is a choice, but you are not the “author and finisher” of that choice. God’s judgment creates your faith; your faith does not create God’s judgment. If you think that your faith creates God’s mercy, perhaps you don’t have faith—the faith that saves you. God creates your faith with a story of mercy called the Gospel. Religion hi-jacks your faith with a story of arrogance called your flesh. God has free will, and He wills that you would will the Good in freedom. He wills that you would have Faith. God accomplishes His Will with His Word.