KJV Are ye saved. YNG ye are having been saved. From Eph. 2:8. KJV He saved us. YNG He did save us. From Titus 3:5. Something done in the past. As I assume is generally understood. For by grace are ye saved through faith; This is man's part in this salvation process. The man has to supply this either from himself or from some type on imputation from God and depending on ones point of view happens first or last. according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Spirit; This is God's part in this salvation process. Through baptism either water or the spirit or both we are washed clean of sin, born again, renewed (strange wording for something we did not have from physical birth) with the Holy Spirit. And depending on ones point of view happens first or last. Is the following the way this should be understood? According to his mercy you are saved by grace through faith and by the washing of regeneration and renewing of the Holy Spirit. Or should we look at these two passages being the same. That God saves. That whatever God did is what saved us. What ever God did, IT must = Faith and IT must = the washing of regeneration and renewal of the Holy Spirit.