This seems clear….
Tit 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 Ghost;
Tit 3:6 Which he shed on us abundantly through Jesus Christ our Saviour;
Tit 3:7 That being justified by his grace, we should be made heirs according to the hope of eternal life.
Tit 3:8 This is a faithful saying, and these things I will that thou affirm constantly, that they which have believed in God might be careful to maintain good works. These things are good and profitable unto men.