01 - Preheat the oven to 375°F (190°C). Lightly grease a 9×13-inch baking dish.
02 - In a large skillet, cook the ground beef over medium heat until browned, breaking it apart with a spoon. Drain excess fat if necessary.
03 - Add the taco seasoning, garlic powder, cumin, and a pinch of salt and pepper to the beef, along with 1/4 cup of water. Stir and let it simmer for 5 minutes until the seasoning is well absorbed and the mixture is thickened.
04 - In the meantime, heat the refried beans in a separate pot over low heat until warm and smooth.
05 - Warm the flour tortillas in the microwave or on a skillet for about 10-15 seconds to make them more pliable.
06 - Spread a thin layer of refried beans in the center of each tortilla. Then add a generous spoonful of the seasoned ground beef mixture. Sprinkle some cheddar and mozzarella cheese on top.
07 - Carefully roll up each tortilla tightly and place them seam-side down in the prepared baking dish.
08 - Pour the enchilada sauce evenly over the top of the rolled tortillas. Sprinkle the remaining cheese on top of the sauce.
09 - Bake in the preheated oven for 20-25 minutes, or until the cheese is melted and bubbly and the edges are slightly crispy.
10 - Remove from the oven and let it cool for a few minutes before serving. Garnish with chopped green onions or cilantro, if desired.