Preheat oven to 350 degrees.

In a large skillet, cook the ground beef and onion until the beef is no longer pink and drain.

Add the taco seasoning and refried beans and heat through.

In a separate bowl, blend the mushroom soup with the sour cream. Then spread half of the soup mixture in the bottom of a baking dish.

Add a layer of 3 flour tortillas to the top of the soup mixture. You will need to cut or tear the tortillas and overlap them.

Spread on a layer of the ground beef mixture and top with about a cup of cheese.

Repeat all of these layers and tops with the remaining cheese.

Bake for about 20 minutes until cheese is nicely melted. Enjoy!