Titus 3:5

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 Spirit;
All Commentaries on Titus 3:5 Go To Titus 3

Augustine of Hippo

AD 430
If the forgiveness of sins were not to be had in the church, there would be no hope of a future life and eternal liberation. We thank God, who gave his church such a gift. Here you are; you are going to come to the holy font, you will be washed in saving baptism, you will be renewed in “the bath of rebirth.” You will be without any sin at all as you come up from that bath. All the things that were plaguing you in the past will be blotted out.
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Knowing this first, that no prophecy of the scripture is of any private interpretation - 2 Peter 1:20

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