Morals are taught, by faith, parents, community, etc. People are not born with or without. In fact, people and animals in general are born with a self preservation that will front everything else in many situations.
You are a religious person, and I do not condemn it, nor do I condemn any religion or the religionless. In my opinion, if your religion or lack of helps to make you a better person, then that is a good thing.
I also agree that religion (many types) in the past has played a large role in morality all over the world. There is no single one that did it all, but the different religions worked these out. But, it has always been a choice to embrace religion from most.
But I have to disagree with your comment "SO WITHOUT GOD (under whichever name you call him),
THERE ARE NO MORALS". This is stating that all morals come only from GOD and if GOD is removed from the equation, that no morals will exist. BUT, since morals are taught, this cannot be true. Morals can exist even if religion is not part of the equation.