Preheat the oven to 350°F.

Stir together 2 cups shredded cheddar cheese and 1 cup shredded pepper jack cheese. Set aside.

Brown 1 pound ground beef with ½ chopped onion in a large skillet over medium-high heat until the beef is no longer pink. Drain off excess grease.

Add 1 packet taco seasoning, 1 can diced green chiles, and 1 can refried beans. Stir and heat until combined and heated through, about 3-4 minutes.

Remove from heat and stir in ½ cup sour cream.

Spray a 9x13 baking pan with non-stick cooking spray.

Layer 2 burrito size flour tortillas onto the bottom of the baking dish.

Spread half of the meat mixture over the tortillas, then top with 1 cup of the shredded cheese mixture.

Top with 2 more burrito size flour tortillas, the remaining meat mixture, and 1 more cup of the shredded cheese mixture.

Top with the remaining 2 burrito size flour tortillas.

Pour 1 can red enchilada sauce over the top and sprinkle with the remaining shredded cheese mixture.

Bake for 20 minutes, until heated through.

Remove from the oven and let sit for 5-10 minutes.

Serve with your favorite toppings and enjoy.