01 - Set oven temperature to 400°F.
02 - Heat olive oil in a large skillet over medium heat. Add finely chopped onion and cook for 2 to 3 minutes until softened.
03 - Add minced garlic and sauté for 30 seconds. Incorporate ground beef, breaking it up with a spoon, and cook until browned, approximately 5 to 6 minutes.
04 - Mix in ground cumin, chili powder, paprika, salt, and black pepper. Cook for an additional minute then remove from heat.
05 - Arrange half of the tortilla chips on a large oven-safe platter or baking sheet. Evenly spread half of the beef mixture, half the jalapeño slices, and half the shredded cheeses over the chips.
06 - Repeat layering with the remaining tortilla chips, beef mixture, jalapeños, and shredded cheeses to create a second layer.
07 - Place assembled layers in the preheated oven and bake for 8 to 10 minutes until the cheese is fully melted and bubbling.
08 - Remove from oven. Garnish with diced tomato, red onion, chopped cilantro, and dollops of sour cream. Serve immediately alongside lime wedges.