Titus 3:5

Not by works of righteousness which we have done, — Man is not saved through his own good works. He cannot earn his way to heaven. As it is written, There is none righteous, no, not one (Romans 3:10):but according to his mercy he saved us, —Salvation is God’s free gift to man. For the wages of sin [is] death; but the gift of God [is] eternal life through Jesus Christ our Lord (Romans 6:23). Salvation is offered to all men through preaching. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation. For the scripture saith, Whosoever believeth on him shall not be ashamed. For there is no difference between the Jew and the Greek: for the same Lord over all is rich unto all that call upon him. For whosoever shall call upon the name of the Lord shall be saved. How then shall they call on him in whom they have not believed? and how shall they believe in him of whom they have not heard? and how shall they hear without a preacher? And how shall they preach, except they be sent? as it is written, How beautiful are the feet of them that preach the gospel of peace, and bring glad tidings of good things! But they have not all obeyed the gospel. For Esaias saith, Lord, who hath believed our report? So then faith [cometh] by hearing, and hearing by the word of God(Romans 10:10-17).This gift is not accepted unless one believes in Jesus Christ as the Son of God; He that believeth and is baptized shall be saved; but he that believeth not shall be damned (Mark 16:16). It is not accepted except he repents of his sins; I tell you, Nay: but, except ye repent, ye shall all likewise perish (Luke 13:3).He must confess his belief that Jesus Christ is the son of God; And Philip said, If thou believest with all thine heart, thou mayest. And he answered and said, I believe that Jesus Christ is the Son of God (Acts 8:37).He must be baptized into Christ to receive remission of his sins; Then Peter said unto them, Repent, and be baptized every one of you in the name of Jesus Christ for the remission of sins, and ye shall receive the gift of the Holy Ghost (Acts 2:38).by the washing of regeneration, — This is reference to the baptism that Jesus commanded in the great commission. Go ye therefore, and teach all nations, baptizing them in the name of the Father, and of the Son, and of the Holy Ghost: Teaching them to observe all things whatsoever I have commanded you: and, lo, I am with you alway, [even] unto the end of the world. Amen (Matthew 28:19,Matthew 28:20). and renewing of the Holy Ghost; —God’s spirit effects the renewal of the spirit of man by leading him to the faith and repentance through the preaching of the gospel.