Preheat oven to 400°F (200°C). In a skillet over medium heat, brown the ground beef and season with taco seasoning; drain excess fat.

On a baking sheet lined with parchment paper, spread a layer of tortilla chips.

Spoon refried beans over the chips, followed by an even layer of seasoned ground beef.

Generously sprinkle both types of cheese on top to ensure every chip is covered.

Bake for about 10 minutes or until the cheese is bubbly and melted.

Remove from oven and add sliced jalapeños, dollops of sour cream, guacamole, and any other desired toppings. Serve immediately.