I saw a site once with puppies that looked like that, they called them golden yorkies, and I was under the impression that they are frowned upon and often over-priced as being "rare". Heres the site... do they look like your baby?
http://coylesyorkie.com/id19.html Can you believe they are asking $3500 for that little girl?
Also, I think the white-gene the breeder was speaking of its called a biewer yorkie...but they are tri-colored, black/tan/white.