Whereas the first step removed the basis of salvation--grace, the second step is necessary to reverse the method of salvation--faith. Contrary to popular belief, you are not saved by producing enough faith so that God will accept you. Oh yes, you must believe. But your belief is completed by the faith of Christ. Again, the Bible must be the authority.

Look once more at Ephesians 2:8For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:
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For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:

You are saved by grace and through faith. But that faith is not of yourself; it is the gift of God. Does this mean that we are saved apart from our own decision to believe? Not at all!

Read carefully Galatians 2:16Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified.
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Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified.

You cannot be justified by the works of the law. But you can be justified by the faith of Jesus Christ. This is not faith in Christ, but the faith of Jesus Christ. But in order to be justified by the faith of Christ, you must believe in Him. Sound confusing?

Look at Romans 3:22Even the righteousness of God which is by faith of Jesus Christ unto all and upon all them that believe: for there is no difference:
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Even the righteousness of God which is by faith of Jesus Christ unto all and upon all them that believe: for there is no difference:

Notice the wording carefully. The righteousness of God is received on the basis of the faith of Jesus Christ. The faith of Jesus Christ is given “unto all and upon all them that believe.” (See also Philippians 3:9Thy bow was made quite naked, according to the oaths of the tribes, even thy word. Selah. Thou didst cleave the earth with rivers.
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Although you must believe to the best of your ability, the perfect faith which provides for you a perfect salvation is the faith of Christ. This means that there is no need to “pray through” or “hold on” in order to get saved. We come to God in simple belief, and He completes our faulty faith with the perfect faith of Christ. This also means that you cannot become lost by losing faith. Although your faith may waver at times, your salvation is based on the faith of Christ. Therefore, the only way to lose your salvation is to find the faith of Christ to be faulty. That completes the second step.