Thank you everyone for your advice.
I contacted a couple of the references again and asked if they saw papers. Unfortunately, they hadn't and they didn't even know what OFA & CERF were. Do you only get them if you ask?
The breeder is continuing to look, and I told her to contact OFA & CERF for copies. She's also had the dad's hip x-rays done a few days ago and is sending them to OFA. CERF apparently is harder because the clinic only comes around once in awhile.
If the breeder can't get the papers, I may still get the pup. Of course, if I do, she'll be fixed. I would never intend to breed her. I will also have pet insurance, and make sure the contract helps me out as much as possible, whether its a full refund if the dog has any problems or split the vet bills etc.
I suppose there's always a chance of disease even if both parents were perfect.