Many New Testament Scriptures declare that we are saved by faith, and I believe every one of them. John 3:16 states "For God so loved the world that He gave His only begotten Son, that whoever believes in Him should not perish but have everlasting life." While this verse affirms salvation by faith, it does not answer the question, "How are we saved by faith?"
In John 1:11-12 we read how Christ "came to His own, and His own did not receive Him. But as many as received Him, to them He gave the right to become children of God, even to those who believe in His name." This passage plainly affirms that all believers have the right to become the children of God, but it does not tell us how they can exercise that blessed right.
The word "right" in John 1:12 is from the Greek word exousia which means "authority, right, liberty: ability, capability" (Barclay M. Newman, Jr., Greek-English Dictionary of the New Testament, p. 65). The word is found in such passages as John 19:10 where Pilate asked Christ, "Do You not know that I have power to crucify You, and power to release You?" Pilate had the "authority, right (and) liberty" to either crucify Christ or set Him free. Pilate held the fate of Christ in his own hands -- the decision was his to make. This same word can also be found in Luke 7:8 where it is translated "authority" and in Acts 5:4 where it is translated "control."
Let's go back to John 1:12 for a moment. It says that believers have the authority, right and liberty to become the children of God. It affirms that not all believers are automatically the children of God, but rather they have the right to become His children.
In the New Testament we find several examples of believers who rejected their right to become God's children. In John 12:42-43 we read, "Nevertheless even among the rulers many believed in Him, but because of the Pharisees they did not confess Him, lest they should be put out of the synagogue; for they loved the praise of men more than the praise of God." John credits the Pharisees with believing in Christ, but since they would not confess Him they were lost (cf. Matthew 10:32-33). The Apostle Paul called King Agrippa a believer, but even Agrippa himself realized he was not a Christian (Acts 26:27-28). Agrippa was a believer who did not exercise his right to become a child of God.
We read of believers in the New Testament who exercised their right to become children of God. In Acts 6:7 we read, "the word of God spread, and the number of the disciples multiplied greatly in Jerusalem, and a great many of the priests were obedient to the faith." Here are obedient believers. Christ is the author of eternal salvation to those who obey Him (Heb. 5:8-9). The gospel has been made known to all nations "for obedience to the faith" (Rom. 16:27).
Since men are saved by obedient faith, we need to learn when (or at what point) faith saves. Mark 16:16 provides the answer, "He who believes and is baptized will be saved; but he who does not believe will be condemned." Two conditions for salvation are mentioned here: faith and baptism. The condition for damnation is also found: unbelief. A lack of faith is all that it takes to be lost for "he who does not believe is condemned already, because he has not believed in the name of the only begotten Son of God" (John 3:18). Salvation is dependent upon a believer being baptized into Christ.
As far as I can find, there are only five views that men have ever held concerning of Mark 16:16-please notice these with me:
I am willing to take the Bible as it reads and live by it -- baptism is the act which faith obeys!
The Ethiopian Eunuch provides us with another example of a believer exercising his right to become a child of God (Acts 8:26-40). Here we find Philip preaching to a very humble man -- one who was returning from Jerusalem where he had travelled by chariot to worship his God. "Now as they went down the road, they came to some water. And the eunuch said, See, here is water. What hinders me from being baptized? Then Philip said, If you believe with all your heart, you may. And he answered and said, I believe that Jesus Christ is the Son of God. So he commanded the chariot to stand still. And both Philip and the eunuch went down into the water, and he baptized him" (Acts 8:36-38).
If nothing else, we can prove Philip was not a Baptist preacher, for he was preaching baptism to an alien sinner. Every Baptist preacher I have ever met would have first asked if the Ethiopian had "prayed through" for salvation or had an "experience of grace," before ever mentioning anything about water baptism.
The Ethiopian asked if anything could hinder him from being baptized. "Then Philip said, 'If you believe with all your heart, you may.' And he answered and said, 'I believe that Jesus Christ is the Son of God.'" (Acts 8:37).
Galatians 3:26 is a favorite passage among those who teach salvation by faith alone. It says, "For you are all the sons of God through faith in Christ Jesus." I believe this verse with all of my heart, and I preach on it often. However, this verse simply affirms that we are saved by faith, it does not tell us how or when we are saved by faith! Men often stop reading at this verse and insert their own opinion as to the how and when of salvation by faith.
But, the next verse does tell us how we are saved by faith, "for as many of you as were baptized into Christ have put on Christ" (Galatians 3:27). The little word "for" in this verse is the Greek word gar. Thayer defines the word and says "it adduces the cause or gives the reason of a preceding statement" (Thayer's Greek-English Lexicon, p. 109). The word gar is sometimes translated as "because" or "since." So Paul, in Galatians 3:27, is saying we are the children of God by faith because we have been baptized into Christ.
In the New Testament, salvation is ascribed to many things, including:
Proving that faith is essential to salvation does not prove that baptism is not necessary -- no more than proving we are saved by hope rules out faith. Baptism is the act which faith obeys!