Step 1: Sauté the Aromatics
Melt the butter in a medium saucepan over medium heat.
Add the onion and jalapeños, cooking until softened, about 3-4 minutes.
Stir in the garlic and cook for 1 minute until fragrant.
Step 2: Make the Creamy Base
In a small bowl, whisk together the milk, heavy cream, and cornstarch until smooth.
Slowly pour the milk mixture into the saucepan, whisking constantly.
Cook over medium heat until the mixture thickens slightly, about 3-5 minutes.
Step 3: Melt the Cheese
Lower the heat and gradually add the white American cheese and Monterey Jack cheese, stirring until fully melted and smooth.
Mix in the cumin, chili powder, smoked paprika, and salt. Adjust seasonings as desired.
Step 4: Add the Fresh Ingredients
Remove the saucepan from heat and stir in the diced tomato and cilantro.
Step 5: Serve and Enjoy