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It doesn't matter how I look at things or how you look at things. It matters what Scripture says.

Romans 10
8But what saith it? The word is nigh thee, even in thy mouth, and in thy heart: that is, the word of faith, which we preach;

9That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved.

10For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation.

John 3
16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.

17For God sent not his Son into the world to condemn the world; but that the world through him might be saved.

18He that believeth on him is not condemned: but he that believeth not is condemned already, because he hath not believed in the name of the only begotten Son of God.

19And this is the condemnation, that light is come into the world, and men loved darkness rather than light, because their deeds were evil.

1 Peter 1
3Blessed be the God and Father of our Lord Jesus Christ, which according to his abundant mercy hath begotten us again unto a lively hope by the resurrection of Jesus Christ from the dead,

4To an inheritance incorruptible, and undefiled, and that fadeth not away, reserved in heaven for you,

5Who are kept by the power of God through faith unto salvation ready to be revealed in the last time.

Romans 3
23For all have sinned, and come short of the glory of God;

24Being justified freely by his grace through the redemption that is in Christ Jesus:

25Whom God hath set forth to be a propitiation through faith in his blood, to declare his righteousness for the remission of sins that are past, through the forbearance of God;
26To declare, I say, at this time his righteousness: that he might be just, and the justifier of him which believeth in Jesus.

27Where is boasting then? It is excluded. By what law? of works? Nay: but by the law of faith.

28Therefore we conclude that a man is justified by faith without the deeds of the law.

Romans 4

1What shall we say then that Abraham our father, as pertaining to the flesh, hath found?

2For if Abraham were justified by works, he hath whereof to glory; but not before God.

3For what saith the scripture? Abraham believed God, and it was counted unto him for righteousness.

4Now to him that worketh is the reward not reckoned of grace, but of debt.

5But to him that worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness.

Romans 5

1Therefore being justified by faith, we have peace with God through our Lord Jesus Christ:

2By whom also we have access by faith into this grace wherein we stand, and rejoice in hope of the glory of God.

3And not only so, but we glory in tribulations also: knowing that tribulation worketh patience;

4And patience, experience; and experience, hope:

5And hope maketh not ashamed; because the love of God is shed abroad in our hearts by the Holy Ghost which is given unto us.

6For when we were yet without strength, in due time Christ died for the ungodly.

Ephesians 2
4But God, who is rich in mercy, for his great love wherewith he loved us,

5Even when we were dead in sins, hath quickened us together with Christ, (by grace ye are saved;)

6And hath raised us up together, and made us sit together in heavenly places in Christ Jesus:

7That in the ages to come he might shew the exceeding riches of his grace in his kindness toward us through Christ Jesus.

8For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:

9Not of works, lest any man should boast.