Texas Trash Dip (Warm Bean Dip)

"Creamy bean dip packed with flavor and topped with all sorts of ooey gooey cheese, baked to dipping perfection. I could make a meal out of this dip!..."

INGREDIENTS
2 (16 ounce) cans of refried beans - I use Old El Paso Spicy Fat Free
1 (8 ounce) package cream cheese
1 cup sour cream
1 Taco Seasoning packet
2 cups shredded Monterey Jack cheese
2 cups shredded Cheddar cheese
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