"But to the one who does not work, but believes in Him who justifies the ungodly, his faith is credited as righteousness," (Romans 4:5).
Notice that the verse says when a person believes, his faith is credited as righteousness. If baptism is necessary for salvation then this verse cannot be true.
We are either justified by faith when we have faith, or we are not justified by faith when we have faith.
If we are justified at baptism, then we are not justified by faith when we have faith.
Notice that the verse says when a person believes, his faith is credited as righteousness. If baptism is necessary for salvation then this verse cannot be true.
We are either justified by faith when we have faith, or we are not justified by faith when we have faith.
If we are justified at baptism, then we are not justified by faith when we have faith.