Step 1: Refried beans:
Step 2: Drain beans, reserving liquid, and set aside.
Step 3: In a medium saucepan
Step 4: Cook onion in oil over medium-high heat until onions are transparent, with slightly browned edges, about 5 minutes.
Step 5: Add chili powder, cumin, oregano, garlic and salt and pepper.
Step 6: Saute for 1 minute, stirring constantly to prevent the spices from burning.
Step 7: Add drained beans to the pot and cook on medium-low heat for about 1/2 hour.
Step 8: If the beans seem too dry, add a little of the reserved bean juice, 1 or 2 tablespoons at a time.
Step 9: Remove from heat and mash mixture with a potato masher or large fork.
Step 10: Taste for seasoning, and adjust if it needs more flavor.
Step 11: For the sauce:
Step 12: Stir all ingredients together. If mixture seems too thick, add a few tablespoons of water, until it is as thin as you like it.
Step 13: Heat mixture slowly on low heat, as this sauce has a tendency to spatter.
Step 14: Cover and cook until heated through, about 15 minutes.
Step 15: To assemble:
Step 16: Spread each tortilla with a good spoonful of sour cream and a few tablespoons grated white Cheddar cheese.
Step 17: Meanwhile, heat a large skillet over low heat.
Step 18: Place the topped tortillas on the skillet one at a time; cover and warm each about 2 minutes, or until the cheese begins to melt.
Step 19: Or heat each tortilla about 30 seconds in a microwave set on HIGH.
Step 20: Roll a few spoonfuls of beans inside each warmed tortilla; place on a plate; top with rancheros sauce and more grated cheddar cheese.
Step 21: You may add chopped lettuce and tomatoes to the plate as well.
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