Heat large skillet over medium heat. Add ground beef to pan and break up with a spatula. Continue to break up meat into smaller pieces as it browns, about 5 minutes. Add taco seasoning and cook another minute.
Heat oven to 400 degrees.
Toast tortillas in oven, flip after 5 minutes and cook another 5 minutes until golden brown.
Top tortillas with refried beans and cheese.
Bake for about 3 minutes, or until cheese is melted.
Top with beef, lettuce, tomatoes, onion and sour cream.