Brown the ground beef in a large skillet over medium-high heat, breaking it into small pieces as it cooks. Cook for 5-7 minutes until no pink remains, then drain excess fat and stir in diced onion, cumin, chili powder, garlic powder, salt, and pepper. Let the seasoned beef mixture simmer for 1-2 minutes to bloom those spices.

While beef cooks, preheat your oven to 400°F and line a large baking sheet with foil for easy cleanup. Spread tortilla chips in an even layer across the sheet—don't overcrowd them because we need room for all the toppings.

Sprinkle the cheddar and mozzarella cheese evenly over those chips, creating a cheesy foundation. Pop into the oven for 3-4 minutes until the cheese melts completely and starts bubbling at the edges.

Remove the baking sheet from the oven and quickly layer on your cooked beef mixture, black beans, and corn kernels. The warmth will keep everything at the perfect serving temperature while these crowd football nachos get their finishing touches.

Top with fresh jalapeño slices, diced tomatoes, green onions, and a generous dollop of sour cream drizzled across. Sprinkle cilantro over everything and serve cheesy loaded football nachos recipe immediately with salsa on the side for extra flavor.