I disagree with yours, and James says we are justified by works.
[James 2:21, 24-25 KJV] 21 Was not Abraham our father justified by works, when he had offered Isaac his son upon the altar? ... 24 Ye see then how that by works a man is justified, and not by faith only. 25 Likewise also was not Rahab the harlot justified by works, when she had received the messengers, and had sent [them] out another way?