Nacho Dip - cooking recipe

Ingredients

2 cans refried beans
2 jars salsa (1 medium, 1 hot)
2 (8 oz.) pkg. softened cream cheese
1/2 c. Cheddar cheese

Preparation

In a 9 x 13-inch pan, layer the beans, softened cream cheese, salsa and Cheddar cheese.
Bake for 40 minutes at 325\u00b0.
Serve with nacho chips.