In Titus 3:5 the apostle Paul declares that GOD SAVED US and that such was done ACCORDING TO HIS MERCY. It was the mercy, grace and kindness or goodness of God that made salvation possible. Praise God for this grace toward man!

The passage also announces that He saved us, "Not by Works, done in righteousness, which we did ourselves," but that he saved us by or "through the washing of regeneration and renewing of the Holy Spirit." What is this "washing of regeneration" by which He saved us? One thing is clear: it is not a work "done in righteousness, which we did ourselves." The chart should aid us in the analysis of this passage.