Homemade Mexican Pizza

Ingredients:

– 1 pound lean ground beef
– 1 packet (1 ounce) taco seasoning
– 1/2 cup water
– 6 medium flour tortillas
– 1 can (16 ounces) refried beans

– 1 can (10 ounces) red enchilada sauce
– 1 cup shredded cheddar cheese
– 1 cup shredded pepper-jack cheese