Anon--great question.
In the book of Romans, the Apostle Paul is speaking to his Jewish people, who have not put their faith in the One Person of Jesus Christ, that can save them.
Romans 10V1:"Brethren, my heart's desire and prayer to God for Israel is, that they might be saved.
V2:"For I bear record that they have a zeal of God, but not according to knowledge.
V3:"For they being ignorant of God's righteousness, and going about to establish their own righteousness, have not SUBMITTED themselves unto the righteousness of God."
So we see here people who know God, even before the Gentile Christian church, and yet they are considered to be lost for now.
So ask yourself, how can they know God and still be lost?
Under the heading of:Righteousness is by faith in Christ
Romans 10V9:"That 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.
V10:"For with the Heart man believeth unto righteousness; and with the mouth confession is made unto salvation."
"Confession made unto salvation": means One is not saved by his mouth's confession, but rather, the mouth testifies readily of the grace of God in Christ which has been received by Faith."
V13:"For Whosoever shall Call Upon the Name of the Lord Jesus Christ shall be Saved.
V14:"How then shall they call on him in whom they have NOT BELIEVED? and how shall they BELIEVE in him of whom they have not Heard? and how shall they hear without a preacher?"
"Whosoever" means your responsibility and mine.
V16:"But they have not all obeyed the gospel. For Isaiah saith, Lord who hath BELIEVED OUR REPORT?
V17:"So then faith cometh by hearing, and hearing by the word of God."
Notice that it is not faith in what is heard, but faith that COMES ABOUT by what is heard.
This is what Paul meant when he said the gospel "is the power of God unto salvation."
Saving faith is not man doing his part in esponse to God's having done His part (synergism). This also shows that there is no other way to be saved but they the explicit gospel of Christ.
Salvation is the most common biblical expression used to identify the subjective changes in people's lives, when by faith they have received the benefit of the Christ's death and resurrection.
The term implies deliverance, safety, preservation, healing, and soundness. It occurs in three phases.
First, the Christian has been saved from the guilt and penalty of sin (Eph.2:5, 8).
Second, the Christian is being saved from the habit and dominion of sin in tis life (gal.2:19, 20).
Finally, when the Lord returns, the Christians will be saved from all the physical results of sin and of God's curse on the world (8:18-23)
With salvation comes change, not the other way around.
In conversion and salvation, believing has to do with accepting the fact that Jesus Christ died on the Cross to save our souls, and is not as complicated as some people think.
We accept and take as truth or facts, the means of salvation, and then belief is part of the package whereby the Holy Spirit work on the Word of God we read in the Holy Bible or preached through a pastor or even us on the forum, do not make it more complicated than it really is.
Come Just as you are and believe the words as fact and truth, and God will do the rest.
The love of God and Jesus has to be accepted in childlike trust.
Peace and blessings to you.