Hey,Read some of article's written by John Wesley, on salvation by faith, his writings describe very well what the bible teaches on this subject.Nelsons Bible Dictionary Describes well:FAITH - a belief in or confident attitude toward God, involving commitment to His will for one’s life.According to Hebrews 11, faith was already present in the experience of many people in the Old Testament as a key element of their spiritual lives. In this chapter, the various heroes of the Old Testament (Abel, Enoch, Noah, Abraham, Sarah, Isaac, Jacob, Joseph, and Moses) are described as living by faith. In addition, the Old Testament itself makes the same point. Abraham "believed in the Lord" (Gen. 15:6); the Israelites "believed" (Ex. 4:31; 14:31); and the prophet Habakkuk taught that "the just shall live by his faith" (Hab. 2:4).In the New Testament, "faith" covers various levels of personal commitment. Mere intellectual agreement to a truth is illustrated in James 2:19, where even demons are said to believe that there is one God. Obviously, however, they are not saved by this type of belief. Genuine saving faith is a personal attachment to Christ, best thought of as a combination of two ideas-reliance on Christ and commitment to Him. Saving faith involves personally depending on the finished work of Christ’s sacrifice as the only basis for forgiveness of sin and entrance into heaven. But saving faith is also a personal commitment of one’s life to following Christ in obedience to His commands: "I know whom I have believed and am persuaded that He is able to keep what I have committed to Him until that Day" (2 Tim. 1:12).Faith is part of the Christian life from beginning to end. As the instrument by which the gift of salvation is received (Eph. 2:8-9), faith is thus distinct from the basis of salvation, which is grace, and from the outworking of salvation, which is good works. The apostle Paul declared that salvation is through faith, not through keeping the law (Gal. 2:16).Finally, in the New Testament, faith can refer to the teachings of the Bible, the faith that was once for all delivered to the saints (Jude 3). In modern times, faith has been weakened in meaning so that some people use it to mean self-confidence. But in the Bible, true faith is confidence in God or Christ, not in oneself.Youngblood, Ronald F., General Editor; F.F. Bruce and R.K. Harrison, Consulting Editors, Nelson’s New Illustrated Bible Dictionary, (Nashville, TN: Thomas Nelson) 1997, c1995.So yes it is more than a mere mental assesnt, You can claim christ is God, and qoute all the bible, But if you are not trusting in His work on the cross, trusting in Him to save you, that is not saving faith.Even more so Jesus said unless your righteousness surpass's the righteouness of the pharisees you shall by no means enter the kingdom of heaven. Pharisees, knew the torah, prayed, gave money, obey commandments outwardly. Although Christ said unless your righteousness surpass's them you will not enter heaven. This shows, we all are sinners, must repent, and trust in the savior, and His work, Are whole nature must be changed inside out, Born again, only God can do this.Hope that helps, gtg.In Christ,joshua