Preheat oven to 400 degrees F.
Place half of the tortilla chips into a cast iron skillet. Layer half of the cheddar and pepper jack cheese over the chips. Top with half of the beans. Add the remaining chips, cheddar cheese, jack cheese, and beans.
Place skillet in oven and Bake for 10-15 minutes, or until cheese is melted. Remove from oven and top with Queso Fresco cheese. Add additional toppings of your choice! We love diced tomatoes, black olives, avocado, cilantro, jalapeño, green onion, and sour cream. Serve warm!
Note-if you don't have a cast iron skillet, you can make these nachos on a large baking sheet.