If you believe faith itself is a gift from God (and you certainly appear to: "This is what goes on in a person AFTER the Holy Spirit starts working on them") then I believe you ought to look in the Reformed (Baptist or Presbyterian) direction. The chief difference there is over whether baptism is for believers only (Baptist) or believers and children of believers (Presbyterian). Most Reformed Baptists subscribe to Covenant theology rather than dispensationalism, but understand certain aspects of Covenant theology differently.

To oversimplify greatly: Election just means that God chooses to regenerate or save some and passes over others. Election is His soveriegn choice before creation to redeem some out of the mass of undeserving humanity for His own glory. "Whosoever will may come" and none who "seek him" will He "cast out;" but unless they are elected to salvation they will not "come" nor "seek him" because they are totally depraved. God simply leaves them in that condition. That state you may call reprobation. One could go into much greater depth and not all Reformed would agree with everything that I said, but that is the basic gist.