Personally, I like using Biblical language. So>
We are born again, when we repent, and place our trust in Christ for the forgiveness of our sin. Baptism is not necessary. We are saved APART from water Baptism.
Lets look at some verses:
Mark 16:16: “He that believes and is baptized shall be saved; but he that believes not shall be damned.
Question: What does the verse say brings damnation? Answer: Unbelief.
#1 Jesus told the repentant thief, “Today shall you be with me in paradise” (Luke 23:43). The thief was saved without baptism.
#2 In Acts 10 Cornelius exercised faith in Christ and was clearly saved prior to being baptized in water. The moment Cornelius believed in Christ, he received the Holy Spirit (Acts 10:45).
#3 Paul separates baptism from the gospel, saying, “Christ sent me not to baptize, but to preach the gospel” (1 Corinthians 1:17). It is the gospel that saves us (Romans 1:16; 1 Corinthians 15:1,2); therefore, baptism is not what saves us.
#4 Acts 2:38: “Then Peter said to them, Repent, and be baptized every one of you in the name of Jesus Christ for the remission of sins, and you shall receive the gift of the Holy Spirit.”
To properly understand Peter’s meaning, we must consider the phrase “for the remission of sins” in light of its usage, its context, and the rest of Scripture.
The word “for” (eis) can mean either “with a view to” or “because of.” In the latter case, a person would be baptized because he had been saved, not in order to be saved.
People are saved by receiving (not rejecting) God’s Word, and Peter’s audience “gladly received his word” before they were baptized (Acts 2:41).
Verse 44 speaks of “all that believed” as constituting the early church, not all who were baptized.
Those who believed Peter’s message clearly received the Holy Spirit before they were baptized. Peter said, “Can any man forbid water, that these should not be baptized, which have received the Holy Spirit as well as we?” (Acts 10:47).
#5 Jesus referred to His baptism as a work of righteousness (Matthew 3:15). But the Bible declares clearly that salvation is “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” (Titus 3:5).
#6 Not once in the entire Gospel of John, written explicitly so that people could believe and be saved (John 20:31), is baptism noted as a condition of salvation. Rather, this Gospel instructs people to “believe” to be saved (John 3:16,18,36).
It seems best, therefore, to understand Peter’s statement like this: “Repent, and be baptized, as a result of the remission of sins.” That this view looked backward to sins being forgiven at the moment of salvation is clear by the context and the rest of Scripture. Believing or repenting is often mentioned with being baptized, since baptism should follow belief. But Jesus does not say in Mark 16:16, or anywhere in Scripture, “He that is not baptized shall be damned,” but instead states emphatically “he that believes not is condemned already” (John 3:18). Nowhere does Scripture make baptism a condition of salvation.
The above material was taken with permission, from the "School of Biblical Evangelism" www.biblicalevangelism.net , Lesson 47