TITUS 3:5 "HE SAVED US NOT BECAUSE OF RIGHTEOUS THINGS WE HAD DONE BUT BECAUSE OF HIS MERCY"

"BUT WHEN THE KINDNESS AND LOVE OF GOD OUR SAVIOR APPEARED, HE SAVED US NOT BECAUSE OF RIGHTEOUS THINGS WE HAD DONE, BUT BECAUSE OF HIS MERCY.  HE SAVED US THROUGH THE WASHING OF REBIRTH AND RENEWAL BY THE HOLY SPIRIT WHOM HE POURED OUT ON US GENEROUSLY THROUGH JESUS CHRIST OUR SAVIOR, SO THAT BEING JUSTIFIED BY HIS GRACE, WE MIGHT BECOME HEIRS HAVING THE HOPE OF ETERNAL LIFE.  THIS IS A TRUSTWORTHY SAYING, AND I WANT YOU TO STRESS THESE THINGS SO THAT THOSE WHO HAVE TRUSTED IN GOD MAY BE CAREFUL TO DEVOTE THEMSELVES TO DOING WHAT IS GOOD.  THESE THINGS ARE EXCELLENT AND PROFITABLE FOR EVERYONE."  TITUS 3:4-8