Just to set you straight on one fact about contractors, @payochi, the highly competent ones have enough work on their plate as a rule already that they don’t want to be called for nickle-and-dime repair work… of a lesser contractor’s mistakes. So it’s not that the competent ones want to rip you off or scam you, but it’s true that they would rather rebuild from scratch rather than patch and patch.
But okay… you have brick walls. (Not cinderblock? Real brick?) And the cracks don’t run “through” any bricks, but are cracks in the mortar joints, correct?
Based on the detail you added about the house being on a slope, the damage to the “bottom floor” (so this is a two-story structure?) and instability of the “concrete wall” (I’m assuming this is a poured foundation wall), then it does sound like the foundation is part of—probably the major part of—your problem.
But “settling” is a problem mostly with newer structures where the soil was improperly compacted prior to the foundation pour, and the newly built structure gradually compacts the soil beneath until it reaches a stable point. You’re talking about a house that’s nearly 30 years old. “Erosion” could certainly be a problem, if rain / flood waters have weakened the support for the foundation and it seeks a new stable point.
As @wundayatta suggests, the best thing for you now is to monitor that (assuming there haven’t been major changes and the thing is in danger of failing completely) year by year to watch for additional cracking or growth in the existing cracks. As a general rule, horizontally aligned cracks are somewhat less severe than vertical ones. Vertical cracks indicate a structure pulling apart, and horizontal ones (unless they start to gape, run through the wall, allow seepage of water or entry of insects and vermin, etc.) will tend to refill as the upper structure settles back down onto the crack. Floors going out of level will suggest instability in the foundation, too.
But any crack that widens over time is serious, and should be looked into. If you can, find a surveyor who can “shoot” the corner elevations of your foundation against a stable benchmark and monitor those elevations year by year for settling and exactly where the problem lies. What you might want to do before fixing the walls (a temporary fix only, if the foundation continues to subside) is pumping in hydraulic concrete under the lowering part/s of the foundation in order to stop the subsidence and stabilize it. Then anyone can patch the mortar joints that have already cracked. If the subsidence is so bad that floors are warped and pitched, then it may be necessary to excavate underneath the low point and jack up the structure first, and then pump in concrete to stabilize.
That can all be pretty darn expensive. So I guess the first thing you need to do is ask yourself, “Is it worth all this aggravation and expense for a house that I only use for four days out of each year?” Yeah, I’m sure you have some emotional attachment to the place, but how much is that worth in dollars and cents?