Preheat oven to 400 degrees F (200 degrees C).
Grate the cheeses. Chop the onion.
In a frying pan over medium-high heat, brown the ground beef and onion.
Add the salt, garlic powder, and cumin.
In a bowl, mix the refried beans, Monterey Jack cheese, and spice blend.
Spread the bean mixture in the bottom of a 13×9 baking pan.
Top with the meat.
Top with the diced green chiles.
Top with the cheddar cheese.
Top with the salsa.
Bake in the 400 degree F oven for 20 to 25 minutes, or until the mixture is bubbly.
Thanks for hosting me on your blog, Hallee!