“It is only an effort to mislead the unwary when the cry is raised that grace is disparaged when stress is laid upon faith as indispensable to salvation. There is no such opposition between grace and faith as there is between grace and merit or works, because faith is the only means of appropriating the only merit which can avail for our justification."
From “Election and Justification” in The Columbus Theological Magazine, Vol 1, 1881, Matthias Loy, editor. LutheranLibrary.org
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KJV Romans 4:16 Therefore it is of faith, that it might be by grace; to the end the promise might be sure to all the seed; not to that only which is of the law, but to that also which is of the faith of Abraham; who is the father of us all,
