Lightly grease round pie plate or other baking dish.
Heat refried beans in sauce pan over medium heat, adding a bit of water if needed to create a spreadable consistency.
Place a tortilla in baking dish and spread with layer of refried beans.
Spread with a spoonful of salsa.
Sprinkle with grated cheddar and a bit of Cotija cheese.
Repeat several layers.
Top last tortilla with refried beans and cheese and bake at 350 degrees until hot and bubbly.
Cut in wedges and serve with hot sauce, sour cream, lettuce, tomato, green onions, or your favorite taco toppings.