Heat 2 tbsp olive oil in a large skillet over medium-high heat. Add diced onion and cook 2-3 minutes until softened, stirring occasionally for even cooking.
Add 1 lb ground beef to the skillet and cook 5-6 minutes until browned completely. Break the meat into small pieces as it cooks for better distribution across your loaded nachos.
Stir in 1 tsp cumin, 1 tsp chili powder, 1/2 tsp garlic powder, salt, and pepper to the cooked beef. Cook 1 minute more to bloom the spices and enhance their flavors throughout the mixture.
Preheat your oven broiler to high settings. Arrange 1 lb tortilla chips on a large sheet pan in a single layer, spreading them evenly for consistent cooking.
Sprinkle 2 cups cheddar cheese and 1 cup mozzarella cheese over the chips, distributing evenly. Top with the seasoned beef mixture, black beans, jalapeño slices, and diced tomatoes. This is where gooey loaded game day nachos recipe takes shape with proper layering.
Place under the broiler 2-3 minutes until cheese melts completely and becomes bubbly. Watch carefully to prevent burning; the timing is crucial for perfect results every time.
Remove from oven and immediately drizzle with 1 cup sour cream and 1/2 cup salsa across the top. Sprinkle 1/4 cup fresh cilantro over everything for a bright, fresh finish to your game day appetizer.