You are not addressing the "when" you are addressing the "what".Acts 10:43 -To Him all the prophets witness that, through His name, whoever believes in Him receives remission of sins.
Acts 13:38 - Therefore let it be known to you, brethren, that through this Man is preached to you the forgiveness of sins; 39 and by Him everyone who believes is justified from all things from which you could not be justified by the law of Moses.
Acts 26:18 - to open their eyes, in order to turn them from darkness to light, and from the power of Satan to God, that they may receive forgiveness of sins and an inheritance among those who are sanctified by faith in Me.
That's when. The moment we believe in/place faith in Jesus Christ for salvation.
Faith is "what" saves us but it is not the "when".
Your three verses are rather general in nature and does not express the specific path that the Bible gives to us for the remission of sins.
Peter believed and trusted that there would be a coin in the mouth of the fish but the path to getting the coin was a physical action.
This is what pushers of Faith Alone Regeneration Theology cannot grasp.
Regardless of how sincere the trust of the virgins in the coming of the Bridegroom, it was the physical lack of oil that kept them out of the banquet.
Did they believe? Yes.
Were they waiting for the right Person? Yes.
Were they waiting in the right place? Yes.
Why were they denied entry? They were missing the required oil. Their sincere faith could not replace the need for the physical oil.
Jesus states:A symbol (water baptism) is not the reality but is a picture of the reality.
"Whoever believes and is baptized will be saved, but whoever does not believe will be condemned."
This is no symbol!!!
A moment of belief, regardless of how sincere is not the occasion of the remission of sins.It's the moment that we believe in/place faith in Jesus Christ for salvation.
The Apostle Peter states:
“Repent, and be baptized every one of you in the name of Jesus Christ so that your sins may be forgiven; and you will receive the gift of the Holy Spirit."
Peter states this to sincere believers.
No general verse about the need for faith can negate the need for water baptism.
Instead of harmonizing the verses you are following the Faith Alone Regeneration Theology handbook of negating verses such as Acts 2:38, Mark 16:16, 1st Peter 3:21, Acts 22:16, Romans 6:3-7, Matthew 28:19, Eph. 4:5, Mark 1:4, John 3:5 in order to protect your pet theology.You must read your pet verse "Acts 2:38" alongside verses like (Luke 24:47; Acts 3:19; 5:31; 10:43-47; 11:17,18; 13:38-39; 15:7-9; 16:31; 26:18) where forgiveness is explicitly tied to repentance/belief/faith and not the ritual itself. Water baptism is a sign of that reality but not the source of it.
You can "only" see this conclusion because you are neck deep into this theology.The only logical and Biblical conclusion when properly harmonizing scripture with scripture is that faith in Jesus Christ "implied in repentance" (rather than water baptism) brings the remission of sins and the gift of the Holy Spirit. (Luke 24:47; Acts 2:38; 3:19; 5:31; 10:43-47; 11:17,18; 13:38-39; 15:7-9; 16:31; 26:18) *Perfect Harmony*
You feel the need to harmonize these verses, I believe they are clearly already in harmony. No need to negate or down grade any of them. The King called the guest "friend" and the guest was invited and showed up on time but he lacked something physical, something simple, free and easy to acquire.You fail to properly harmonize scripture with scripture before reaching your conclusion on doctrine. Apart from becoming a child of God through belief/faith (John 1:12; Galatians 3:26) leaves one without a wedding garment.