[Sam]

Repentance is not enough according to some teaching.

Repentance brings forgiveness but the person is still filthy in his sins until they are washed away or remitted by water baptism.

If "born of water" means water baptism like the Roman Catholic Church taught for years and some OP's teach now, then repentance is not enough because the person who has repented is not a child of God until after water and Spirit baptism.

That just happens to be the theology of some.

I personally believe a person is justified/saved/born again and on the way to Heaven the instant he/she asks Jesus Christ into his/her life. I also believe that failure to be baptized in water and failure to speak with tongues does not negate that salvation. But, that's just the opinion of a greasy grace, soft on the message, easy believism, one-stepper Bapticostal Charismatic.