Preheat the oven to 350 Degrees F (180 Degrees C). Transfer 2 cups refried beans, 1 cup chunky tomato salsa, 8 oz softened cream cheese, 1 cup shredded sharp cheddar cheese, 1 cup shredded mozzarella cheese and ¼ cup chopped cilantro in a large size mixing bowl.
Mix everything well.
Transfer the mixture into an 8-inch baking dish. This dip is served in the same dish in which it is baked. So keep that in mind while choosing the baking dish. To make this dish in one pot, you can mix the ingredients directly in the baking dish. Keep the baking dish in the middle rack of the preheated oven and bake for 15-20 minutes until the cheese starts to bubble.
Remove the dish from the oven. Sprinkle extra cheese on top. Garnish with diced onion, diced tomato, sour cream, chopped cilantro, sliced olives, chopped green onions, chopped Jalapeno, diced avocado, etc. Serve hot with nachos, chips, or veggie sticks.
You can add some taco seasoning in the mixture for a taste change.