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In a medium skillet, brown the ground beef. Add the taco seasoning, water, and refried beans. Stir to combine and let simmer for 5 minutes. Remove from heat and set aside.
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Preheat oven to 400F. Spread the tortilla chips on a baking sheet covered in aluminum foil or parchment paper.
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Warm nacho cheese sauce in the microwave to 20-30 seconds (or according to package directions if using store-bought) until it is smooth and creamy.
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Drizzle the nacho cheese over the chips as evenly as possible. Place in the preheated oven.
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Bake for 3-5 minutes or until the cheese is warm and bubbly.
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Remove the pan from the oven and let sit 1-2 minutes.
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Top with seasoned ground beef, sour cream, diced tomatoes, and green onions.
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Serve warm and enjoy!