Who saves us?
We are saved by “God, our Savior.”
When are we saved?
We are saved “after the kindness and love of God, our Savior” appears.
Why are we saved?
We are saved “not by works of righteousness which we do, but according to His mercy.”
How are we saved?
We are saved “by the washing of regeneration and renewing of the Holy Spirit, which He sheds on us abundantly through Jesus Christ, our Savior.”
What is the result of our salvation?
When we are saved, we are “justified by His grace;” and we are “made heirs according to the hope of eternal life.”
Here — in three verses — Paul gives us the who, when, why, how, and what of salvation. Another result of our salvation — which Paul mentions prominently — is that we “who believe in God must be careful to maintain good works. These things are good and profitable unto men.” (Titus 3: 8)
And again, he writes: “And let ours also learn to maintain good works for necessary uses, that they not be unfruitful.” (Titus 3: 14)
Good works and fruitfulness are the end results of our salvation, but they are not the cause of our salvation. The causal factor in our justification is God’s mercy and grace, His love and sacrifice for us, which He plans before time begins and brings to fruition on the Cross and in His resurrection and through His giving of His Holy Spirit.