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Daily Bible Verse - 9/20/2007 - Titus 3:5

NIV 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,
KJV Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Ghost;
NASB He saved us, not on the basis of deeds which we have done in righteousness, but according to His mercy, by the washing of regeneration and renewing by the Holy Spirit,
Titus 3:5
Commentary
3:5not by works of righteousness: Since Paul has been exhorting Titus to emphasize good works in his ministry with the Cretans, he wants to make it clear that such works have no value in saving a person. Rather, it is solely on the basis of God's mercy that we are delivered from the penalty of our sin.
washing of regeneration:
This phrase refers to the work of the Holy Spirit, who in a moment makes a person new by the cleansing of regeneration (the new birth). This new nature is the ground for living the Christian life and performing good deeds.
renewing of the Holy Spirit: The continual process of Christian living is enabled by the Holy Spirit, resulting in growth in character and good works.

Radmacher, E. D., Allen, R. B., & House, H. W. (1999). Nelson's new illustrated Bible commentary (Tit 3:5). Nashville: T. Nelson Publishers.

Regeneration
(Gk. palingen─ôsia, lit. "becoming again" or "being born again") is produced by "the word of truth" (James 1:18; 1 Pet. 1:23) and the Holy Spirit (John 3:5, 6). Regeneration and renewal describe the work of God in changing a heart from one that has a propensity to evil to one that is capable of faith and good works (Ezek. 36:26, 27).

Thomas Nelson, I. (1997, c1995). Woman's study Bible . (Tit 3:5). Nashville: Thomas Nelson.