01 - Set oven to 400°F (200°C).
02 - Heat olive oil in a large skillet over medium heat. Add chopped onion and cook for 2–3 minutes until softened.
03 - Add minced garlic and sauté for 30 seconds. Add ground beef, breaking it apart, and cook until evenly browned, approximately 5–6 minutes.
04 - Mix in cumin, chili powder, paprika, salt, and pepper. Cook for an additional minute then remove from heat.
05 - Spread half of the tortilla chips evenly on a large, oven-safe platter or baking sheet. Top with half the beef mixture, jalapeños, and cheeses.
06 - Repeat the layering process with the remaining chips, beef, jalapeños, and cheeses to form a second layer.
07 - Place the layered platter in the preheated oven and bake for 8–10 minutes until the cheese is melted and bubbly.
08 - Remove from oven and garnish with diced tomato, red onion, chopped cilantro, and dollops of sour cream. Serve immediately with lime wedges.