Today's Mass reading Questions on Salvation

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How does one best understand one of today’s Mass readings consisting of the Scriptural teaching below on being saved?

Romans 10: 9 -13 " if you confess with your lips that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. 10 For man believes with his heart and so is justified, and he confesses with his lips and so is saved. 11 The scripture says, “No one who believes in him will be put to shame.” 12 For there is no distinction between Jew and Greek; the same Lord is Lord of all and bestows his riches upon all who call upon him. 13 For, “every one who calls upon the name of the Lord will be saved.”
 
From the Navarre Bible Commentary on this passage:
  1. To make the act of faith, human free will must necessarily be involved as St Thomas explains when commenting on this passage: “He very rightly says that man believes with his heart. Because everything else to do with external worship of God, man can do it against his will, but he cannot believe if he does not want to believe. So, the mind of a believer is not obliged to adhere to the truth by rational necessity, as is the case with human knowledge: it is moved by the will” (“Commentary on Rom, ad loc.”)
However, in order to live by faith, in addition to internal assent external profession of faith is required; man is made up of body and soul and therefore he tends by nature to express his inner convictions externally; when the honor of God or the good of one’s neighbor requires it, one even has an obligation to profess one’s faith externally. For example, in the case of persecution we are obliged to profess our faith, even at the risk of life, if, on being interrogated about our beliefs, our silence would lead people to suppose that we did not believe or that we did not hold our faith to be the true faith and our bad example would cause others to fall away from the faith. However, external profession is an obligation not only in extreme situations of that kind. In all situations–be they ordinary or exceptional–God will always help us to confess our faith boldly (cf. Mt 10:32-33; Lk 12:8).
From the Haydock Commentary:
Thou shalt be saved. To confess the Lord Jesus, and to call upon the name of the Lord, (ver. 13.) is not barely the professing of a belief in the person of Christ: but moreover implies a belief of his whole doctrine, and an obedience to his law; without which the calling of him Lord will save no man. (St. Matthew vii. 21.) (Challoner) — This passage must be understood like many others of this apostle, of a faith accompanied by a good-will ready to perform what faith says must be practised; as it is required in this very place, that what we believe in the heart, we should confess with our mouth. (Estius)
 
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