Mix cream of mushroom soup and sour cream together. Put 1/2 into a 9x13 inch pan. Brown, rinse, and drain hamburger. Add taco seasoning, water and refried beans. Fill tortillas with hamburger mixture,fold and put into pan. Top with remaining soup mixture. Top with cheeses. Bake at 350º for 40 minutes or until hot. Serve with salsa, lettuce, and sour cream.
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