Where is Love first produced?

Love is first produced in the heart of the Beloved. If there is no light, the moth will never burn itself. Love is born in a man through good fortune by the Grace of God, and then only is one able to go into the company of Saints. 

Guru Ram Das says:

Regarding those who possess the wealth of love, you should understand that He Himself has granted this favour to them out of His Grace. This treasure can be obtained only through a Master. It is exceedingly difficult to serve Him, but that is also the means of achieving all joy. This love is bestowed only on such persons on whom God Himself bestows it with His Grace.

The company of Saints is also achieved by previous karmas and good fortune.