Combine all ingredients for the pico de gallo (2 tomatoes, jalapeños, ½ white onion, ½ cup cilantro, ½ teaspoon salt) into a food processor and chop coarsely.
Combine all the ingredients for the guacamole (avocados, 1 tomato, ¼ white onion, ½ cup cilantro, ½ teaspoon salt) except for the lime and pulse until smooth. Squeeze lime juice into the guacamole and mix to help keep fresh.
Add a layer of refried beans to a transparent bowl. Layer mild cheddar for a second layer.
Next, add the pico de gallo layer. Cover the third layer with fresh guacamole. Top with mild cheddar and cilantro as a garnish. Enjoy!