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We believe we are already forgiven once we believe that Jesus Christ is The Son of God and that he did in fact die on the cross, was buried and resurrected for our sins. Believing this alone is what saves us.(meaning: Eternal life with God in heaven and on earth) Once we truly believe this in our hearts, not just with our mouths, THE LORD Gives us a Godly sorrow which allows us to see ourselves the way He sees us and how much we are in desperate need of Jesus , and He brings us to repentance. This repentance(asking for forgiveness for our sins) is only done once for salvation. However, even though Jesus forgives ALL our sins at that moment and makes us a new creation. We still have a dual nature, because our sin NATURE that we were born into and will there until Christ comes back. This will not go away until we get to heaven and we leave these bodies behind. But, thanks to Jesus we can have a new nature on the inside where is Holy Spirit reside within our Spirit which is actually God's spirit(the Holy Spirit in us)-john14:15-18. However, the Holy Spirit doesn't just reside in us(Believers of Jesus Christ),but He resides in heaven as well. This is why when we get saved we begin to have more of a hunger to do what the Word says such as be around other believers, praying more/ leaning on Jesus more, Reading our Bible, feeling sensitive toward sinning. Although the Word tells us we will NEVER be SINLESS in this life, it does tell us if we depend on Jesus COMPLETELY we will most definitely SIN ...LESS. Some things take years to get over and some things the Lord can take right away. God Bless. Hope this helps.
"For one will scarcely die for a righteous person—though perhaps for a good person one would dare even to die— but God shows his love for us in that while we were still sinners, Christ died for us.”