Correct. Regeneration is wholly accomplished by God.Did you notice that the verse you quoted, totally negated human action in its description? (this does not mean that humans don't act or do in the salvation process as other verses indicate, but that the verse quoted explicitly negates human action in its description) Let's look at the parts of the verse.
-"not by works of righteousness which we have done" Note how human actions of a righteous quality are negated
-"but according to His mercy He saved us" Note the use of the word "but" as a sign of contrast. In contrast, to the earlier negation of human righteous action, God acted in His mercy to save us.
-"through the washing of regeneration and renewal of the Holy Spirit" Note the use of the word "though" as it indicates the means of the saving of the previous portion. The washing of regeneration and renewal of the Holy Spirit are both God's acts.
So, did you notice that the verse you quoted, totally negated human action within the confines of its description?
That's already accounted for in my OP when I wrote the following salvation sequence in my OP:
Hint: This is the Biblical Way of salvation:
- We Believe
- Gods saves us through the washing of regeneration and renewal of the Holy Spirit (Titus 3:5)
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