“Simon Peter, a servant and an apostle of Jesus Christ, to them that have obtained like precious faith with us through the righteousness of God and our Saviour Jesus Christ.”- 2 Peter 1:1
You have here a description of true saving faith. You have a description of its source. He says, “to them that have obtained like precious faith.” See, then, my brethren, faith does not grow in man’s heart by nature; it is a thing which is obtained. It is not a matter which springs up by a process of education, or by the example and excellent instruction of our parents; it is a thing which has to be obtained. Not imitation, but regeneration; not development, but conversion. All our good things come from without us, only evil can be educed from within us. Now, that which is obtained by us must be given to us; and well are we taught in Scripture that “faith is not of ourselves, it is the gift of God.” Although faith is the act of man, yet it is the work of God. “With the heart man believeth unto righteousness;” but that heart must, first of all, have been renewed by divine grace before it ever can be capable of the act of saving faith. Faith, we say, is man’s act, for we are commanded to “believe on the Lord Jesus Christ,” and we shall be saved. At the same time, faith is God’s gift, and wherever we find it, we may know that it did not come there from the force of nature, but from a work of divine grace. How this magnifies the grace of God, my brethren, and how low this casts human nature! Faith. Is it not one of the simplest things? Merely to depend upon the blood and righteousness of the Lord Jesus Christ, does it not seem one of the easiest of virtues? To be nothing, and to let Him be everything-to be still, and to let Him work for me, does not this seem to be the most elementary of all the Christian graces? Indeed, so it is; and yet, even to this first principle and rudiment, poor human nature is so fallen and so utterly undone, that it cannot attain unto! Brethren, the Lord must not only open the gates of heaven to us at last, but He must open the gates of our heart to faith at the first…Have we a hope that we have been enabled through divine grace to cast away all our own righteousness and every dependence, and are we now, whether we sink or swim, resting entirely upon the person, the righteousness, the blood, the intercession, the precious merit of our Lord Jesus Christ? ~ C.H. Spurgeon
https://www.blueletterbible.org/Comm/spurgeon_charles/sermons/0551.cfm