The Bible does say in John 5:24 that he who hears My word and believes in Him who sent Me has everlasting life, and shall not come into judgment, but has passed from death into life. So salvation is a present, current possession. Believers "have been" saved through faith (past tense with ongoing present results) from the PENALTY of sin (justification - Romans 5:1). The Bible also says in Titus 3:5 that it is not by works of righteousness which we have done, (Literally, "of works which are done in righteousness" and this passage fully refutes the doctrine of meritorious works, yet you tried to explain that away in one of your erroneous rants) but according to His mercy He saved us, through the washing of regeneration and renewing of the Holy Spirit, which takes place when one is born again at the moment of salvation.
In 2 Corinthians 5:21, we read - For He made Him who knew no sin to be sin for us, that we might become the righteousness of God in Him. Also, in Galatians 3:13, we read - Christ redeemed us from the curse of the Law, having become a curse for us—for it is written, "Cursed is everyone who hangs on a tree." In 1 Corinthians 12:3, we read - Therefore I make known to you that no one speaking by the Spirit of God calls Jesus accursed.. which "accursed" (Greek word - anathema) here would pronounce Jesus to be an impostor, and therefore justly punished with death, which is not the sense of the word "cursed" in Galatians 3:13. Paul is not contradicting himself and you need to stop falsely accusing dcon of calling Jesus "cursed/accursed" in that latter sense. In contrast, believers say that Jesus is Lord by the Holy Spirit.