• Begin by adding the ground beef and onions to a large skillet over medium high heat.  Add in all of the seasonings for the beef. Break the meat into small pieces as it browns.
• Once the meat is cooked through remove it from the pan and strain off the grease.  Set it aside while you make the cheese sauce.

Make the Cheese Sauce

• Add the butter to a medium sauce pot over medium heat. Once the butter is melted whisk in the flour to make a roux. Next add in the chicken stock, whisking briskly to prevent any clumps from forming. 
• Add in the milk and continue whisking until the milk thickens to sauce consitency. It should coat the back of a spoon. Now whisk in the shredded cheese. Continue whisking until all of the cheese has melted. Season with the cheese sauce seasonings and remove from the heat.

How to Serve

• In a large bowl, layer the refried beans on the bottom. Next layer in the ground beef. Top with the cheese sauce, making sure to spread each layer evenly. Last, top with as much pico de gallo as you want. Try not to add in too much of the liquid from the salsa. Serve with tortillas chips!