Bean Dip

Yield: 8 servings

Preheat Oven:  350° F.

1 can refried beans (16 oz.)

1 cup chunky salsa

1 cup shredded Monterey Jack cheese 

1 cup shredded Cheddar cheese

3/4 cup sour cream

3 oz cream cheese, softened

1 Tbsp chili powder

1/4 tsp ground cumin

Tortilla Chips for serving

In a large bowl, combine all ingredients, except the chips! 

Transfer to a baking dish.  Bake the dip at 350 degrees for 20-30 minutes, until hot nicely browned on top and bubbly.