Preheat your oven to 375°.
Evenly spread 16 oz refried beans into the bottom of a 9x13 casserole dish, then top with 1 cup sour cream.
Spread a 4 oz can of mild diced green chilies over the sour cream layer.
Then top with 2 cups freshly shredded cheddar cheese.
Sprinkle the cheese layer with one seeded and diced jalapeño (optional).
Bake for 15-20 minutes, or until the cheese is melted and bubbly.
Optional: Set your oven to broil and broil for 2-3 minutes or until the cheese is lightly golden brown.Watch carefully so the cheese doesn't burn. Sprinkle with optional toppings like diced tomatoes and cilantro.
