[aruanan]

None of us are reborn with a regenerated human spirit until we accept faith in Him.

According to Calvin, et al, regeneration precedes faith, which is a gift and a sign of the regeneration. Acceptance of faith or exercise of faith has no meaning with respect to whether or not regeneration occurs since that implies either the possibility of rejection or that the exercise of the faith was somehow instrumental to it, neither of which, according to unconditional election, is possible.

[Cvengr]

Faith or belief (Pisteo) may be exercised as a function of the soul. As such it is without merit, but it still has an object of thinking. It is possible to have faith or to believe without the regenerated human spirit. Immediately upon saving faith, God the Holy Spirit is free by His volition to forgive the believer and immediately regenerate the human spirit.

There is another type of faith, also known as doctrine, which may be developed from perception of the believer via the believer’s human spirit. After the spirit is regenerated, the soul may be continually sanctified, via God the Holy Spirit indwelling our human spirit.

It is true that this type of faith is preceded by regeneration and is part of the sanctification process.