What do you mean by "effort"? Sounds a lot like a false works salvation when you phrase it that way bro.
Romans 4:5
But to him that worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness.
Discussion
nostr:npub16rq4vpwrwpdk2rycl60j996l3mxswx86qu4n2za6a4hmm97tu7eqyzfhql I agree with about faith, but James 2:26 says faith without works is dead. In other words, if you truly believe in Christ we are changed and it shows by our good works.