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Crispy Loaded Nachos Supreme Recipe with Easy Homemade Cheese Sauce

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A quick and easy recipe for crispy loaded nachos topped with seasoned beef, black beans, fresh jalapeños, and a creamy homemade cheese sauce. Perfect for game nights and casual get-togethers.

Ingredients

Scale
  • Tortilla chips (sturdy, thick-cut)
  • 1 pound lean ground beef
  • 1 cup black beans, rinsed and drained
  • 1 small onion, finely chopped
  • 2 cloves garlic, minced
  • 1–2 fresh jalapeños, sliced thin
  • 1 medium tomato, diced
  • Green onions, thinly sliced
  • Homemade Cheese Sauce:
  • 2 tablespoons unsalted butter
  • 2 tablespoons all-purpose flour (or gluten-free flour for GF option)
  • 1 1/4 cups whole milk, warmed
  • 1 1/2 cups shredded sharp cheddar cheese
  • 1/2 teaspoon smoked paprika
  • Salt and pepper to taste
  • Optional toppings: sour cream, avocado slices, cilantro, pickled jalapeños

Instructions

  1. Preheat your oven to 375°F (190°C).
  2. Heat a large skillet over medium-high heat. Add ground beef and cook, breaking it up with a spoon, until browned, about 7-8 minutes. Drain excess fat if needed.
  3. Add chopped onion and minced garlic to the beef. Cook 3-4 minutes until softened and fragrant. Season with salt, pepper, and smoked paprika. Stir in black beans and cook until warmed through. Set aside.
  4. In a medium saucepan, melt butter over medium heat. Whisk in flour and cook for 1-2 minutes to form a roux.
  5. Gradually whisk in warm milk, continuing to whisk until mixture thickens, about 3-4 minutes.
  6. Remove from heat and stir in shredded cheddar cheese until melted and smooth. Adjust seasoning with salt and pepper.
  7. Spread a single layer of tortilla chips on a baking sheet. Spoon half the beef and bean mixture evenly over the chips. Drizzle half the cheese sauce on top.
  8. Add another layer of chips, remaining beef mixture, and cheese sauce.
  9. Scatter sliced jalapeños, diced tomatoes, and sliced green onions over the top.
  10. Bake in the oven for 10-12 minutes until cheese sauce bubbles and chips are golden and crispy at the edges.
  11. Serve immediately topped with optional sour cream, avocado slices, or cilantro.

Notes

Use thick, sturdy chips to prevent sogginess. Layer toppings evenly to keep chips crispy. Make cheese sauce last minute and warm slightly if too thick. Avoid overcrowding the pan. For vegetarian version, substitute ground beef with sautéed mushrooms, seasoned lentils, or crumbled tofu. Gluten-free option by using gluten-free flour and chips. Dairy-free option by using cashew-based cheese sauce or vegan cheese with coconut milk.

Nutrition

Keywords: nachos, loaded nachos, cheese sauce, homemade cheese sauce, game night snacks, easy nachos, crispy nachos, beef nachos, vegetarian nachos option

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