The way that Lutherans tend to think of salvation is really nicely represented by the following passage from Ezekiel. Note how the activity of God has priority and primacy throughout, and obedience emerges at the initiative of the Spirit who has already been given. Even the awareness and regret over one's sinfulness shows up as an after-effect, rather than a prerequisite for the arrival of the Spirit and the gift of a new heart. (Gotta love the irony here: only a new heart is capable of regret over sin it seems.)
Ezekiel 36:24-31 NIV
24 “‘For I will take you out of the nations; I will gather you from all the countries and bring you back into your own land. 25 I will sprinkle clean water on you, and you will be clean; I will cleanse you from all your impurities and from all your idols. 26 I will give you a new heart and put a new spirit in you; I will remove from you your heart of stone and give you a heart of flesh. 27 And I will put my Spirit in you and move you to follow my decrees and be careful to keep my laws. 28 Then you will live in the land I gave your ancestors; you will be my people, and I will be your God. 29 I will save you from all your uncleanness. I will call for the grain and make it plentiful and will not bring famine upon you. 30 I will increase the fruit of the trees and the crops of the field, so that you will no longer suffer disgrace among the nations because of famine. 31 Then you will remember your evil ways and wicked deeds, and you will loathe yourselves for your sins and detestable practices.