Is it because you were raised to believe?
Not directly, but I’m sure being exposed to the idea made a difference. If no one in the history of the species had ever used put words to the concept, I would have had to have invented my own, assuming I ever decided to try to put it into words even to myself, and there’s no guarantee of that.
Is it because you believe in the bible as the word of God ?
Hardly!
Is it because you had a personal experience or epiphany ?
Yes, most centrally.
Is it because the existence of the universe and life is incomprehensible to you as a matter of inevitable progression without the influence of superior intelligence?
No. To seriously consider the idea of God existing, I had to seriously consider the idea of God not existing (insofar as that’s what “consider” means). The fearful alternative was not that the universe did not in fact exist, it very self-evidently did. It was that things had no meaning. By “things” I mostly mean our sense that there “ought to be” kindness and sharing, and freedom and the chance to do pleasurable things, as opposed to the world revolving around competitive coercion, triumph of the boot that gets into the most faces, etc. Did these “ought to be” feelings have any intrinsic validity? Was there any reason to think we should be warmly and fairly disposed to one another, or were those feelings irrelevant, serving no purpose?
And finally, why do you believe in a loving God ?
See above. That our appreciation of what we loosely call “love” is an appreciation of something that really does (potentially and inevitably) make the world go 'round — that life can actually be that way — means the laws of nature applicable to human life are love-affirmative.
Ever since I participated on this board, I have found my faith wavering. One of the pillars of my faith is crumbling. From a belief in the bible as the infallible word of God to a belief in cherry picked verses, I imagine God in my own unique version. I still can’t give up these verses, since the only basis that I can comprehend a loving God is because only in the bible is it stated so. Yet every day, when I have my moments thinking about God and his relevance in my life, I consider the fact that I was brain-washed in my childhood, and that my little epiphanies which I have now forgotten were way overblown in my estimation.
Once upon a time, or actually several “onces” upon many times ranging from 4000 to 1000 years ago give or take, some folks wrote down some stuff that you know as “Bible”. Some of those people were encoding into human words some understandings that, I think, were truly understandings of God.
I say this as a person who does not revere the Bible as special, and as a person who is not a Christian. And I say you need not believe that Jehovah dictated in Hebrew, Latin, or Greek, the Literal Word of God in order to find compelling meaning in the verses that move you.
I would suggest that you will also find some in places outside the Bible, and that it does not lessen God to do so or to acknowledge that.
The major thing that is really holding my faith together so far is my inability to comprehend how the universe and life came to be without a superior intelligence.
Well, if you work backwards, you have the universe and intelligent life being (absolute fact) and in asking how that happened you have no choice but to ascribe the results to a process sufficient to having intelligence exist as a subset of what it constitutes. If God is not “a superior intelligence”, the universe nevertheless cannot be said to exist as a consequence of things lesser than intelligence. If we ascribe its existence to, let’s say, “the natural laws that govern forces and chance and how they may play out over time”, we have to acknowledge that those natural laws intrinsically describe patterns of which intelligence is a reflection. For me, it’s simpler to grasp and express as “The universe is God and possesses intelligence”.
That is a very shallow reason for faith in God. And it is not enough for a faith in a loving God. Yet I need a faith in a loving God, so I’ll continue to ascribe truth to those verses in the bible which tell me so and ignore the others. Still, that makes me somewhat uncomfortable.
Unless you require it of yourself, you do not need a deductive reason-path that starts from some rational naturalistic axioms and concludes a God out of them, you know 
By the way, I’ve tried a lot of different churches and even had pastors try to make me fall into catchers but it never worked for me.
Ask God to take you on for private lessons. Seriously. Become a faith or a denomination unto yourself. And give yourself permission within the framework of your own faith to not know things. It’s how one learns.
On readover: umm, no condescension intended, it’s just my writing style