09 - What is saving faith?

So, what is saving faith? What is its nature? What, exactly, does the sinner believe? What is a sinner doing when he believes? In what way does a sinner believe to the saving of his soul? This, I say, is the crux of the matter.46 It is not only what is believed, but the nature of saving faith which is the essential point in this debate. Historical faith is an act of the mind; it takes place in the head, and only there. Saving faith is an act of the head and the heart.