Brown the ground beef in a large skillet over medium-high heat, breaking it apart with a wooden spoon as it cooks. Once fully cooked and no pink remains (about 8 minutes), add the diced onion and cook for another 2 minutes until fragrant and softened.
Stir the cumin, chili powder, garlic powder, salt, and pepper directly into the beef mixture. Cook for 1 minute to activate the spices and distribute them evenly throughout the warm, seasoned beef.
Preheat your oven to 375°F while the beef finishes cooking. Spread tortilla chips in a single layer across a large baking sheet or oven-safe skillet, creating the foundation for your cozy game day nachos to come.
Layer the seasoned beef over the chips, then scatter the black beans evenly across the surface. Sprinkle both cheddar and mozzarella cheeses generously over everything, ensuring complete coverage so the loaded football night experience includes melted cheese in every bite.
Bake for 8–10 minutes until the cheese melts completely and begins to bubble slightly at the edges. Watch carefully to prevent the chips from burning while ensuring full cheese meltdown.
Remove from the oven and immediately top with sour cream dollops, fresh salsa, diced tomatoes, sliced jalapeños, and chopped cilantro. Serve this dish while piping hot so the melted cheese stays creamy and stretches beautifully with every bite.