Step 1

Preheat oven to 350 degrees.

Step 2

In a medium bowl, use an electric handheld mixer to combine the refried beans, cream cheese, sour cream, and taco seasoning.

Step 3

Spread mixture evenly on bottom of 9 x 13 baking pan.

Step 4

Sprinkle both cheeses on top of bean mixture and place pan in oven for about 25-30 minutes.

Step 5

Remove from oven and serve with tortilla chips or crackers.