Preheat your oven to 350°F (175°C) to ensure even cooking.
In a mixing bowl, combine the sour cream, refried beans, softened cream cheese, and taco seasoning. Mix until smooth.
Stir in the salsa until fully incorporated.
Spread the mixture evenly into a baking dish, smoothing out the top.
Sprinkle the shredded Mexican cheese blend over the top.
Place the baking dish in the oven and bake for about 20-25 minutes, until the cheese is bubbly and golden brown.
Let cool for a few minutes, then add optional toppings like chopped tomatoes, cilantro, onion, or avocado.