We are building a house and it has come to our attention that the stem wall on the face of the brick veneer garage between a double garage door and a single garage door was poured at only 4 inches thick, but the studs above are 2X6. The builder built it up by hand after the fact with a separate concrete substance. The brick mortar outside above the two garage doors is already starting to show some step cracking involving about 5 courses of brick all the way to the roof line. There is also a vertical crack in the brick just below the lintel on the double garage door. How concerning is this situation?