What are her parents? Does she have an appy parent or a grey parent? Currently it looks like she could either be a grey or she could have a funky appy trait showing up. Both can look similar at cetrain points. Right now I would say she is a grey.
I would like to see a close up of her head/neck. Also does she have a sparse mane/tail?
Usually roans are born roan or roan out when they shed their baby coat. Also they normally change from light when they shed to more roan in summer to much closer to their "base" coat color in winter. My bay roan does that.
So, I'm kind of shooting at the grey gene or possibly appy.
To be roan a horse much have one roan parent, to turn grey they must have one grey parent. Usually the greying begins on the face. Roans do not have roaning on the face.
With the new photos - yup, most definitely a grey appy going on. Now the breeder could be right and she could still be "varnish roan" this is different than the classic roan that a poster was talking about up above. Varnish roan is an appy trait and it does progress like the grey gene. But yes - looks like Appy + grey to get that look.
Grey appy! I don't think she will end up looking just like mum, I think she will end up similar but much darker. I think this cause you can see that mum has pink skin around her eyes and on her nose but your girl has has black skin.