Preheat your oven to 350°F (175°C). Gather all your ingredients.

In a medium mixing bowl, combine softened cream cheese, sour cream, garlic powder, onion powder, salt, and pepper. Blend until smooth.

Fold in diced jalapeños and half of the shredded sharp cheddar and mozzarella cheeses.

Lightly grease a 9x13-inch baking dish. Spread the creamy jalapeño mixture evenly into the dish.

Sprinkle the remaining shredded cheddar and mozzarella cheeses over the mixture, then add a layer of crushed tortilla chips.

Bake for 20 to 25 minutes until the cheese is bubbling and golden brown.

Allow to cool for 5-10 minutes before serving.