Paying both PMI and MIP for an FHA?

First time home buyer here. I am working with an agent, and the associated lender I’d be using is saying I need to pay both MIP and PMI for an FHA loan. Is this correct? Online I’ve been finding that it’s only one or the other, not both. Please help. Thanks!

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source https://www.reddit.com/r/RealEstate/comments/jll82w/paying_both_pmi_and_mip_for_an_fha/