Lay a damp piece of paper towel flat on aluminum foil and cover with a piece of parchment paper. Stack your tortillas on top. Add another piece of parchment paper and top another sheet of damp paper towel.
Cover with another piece of aluminum foil. Roll the aluminum foil up, going around the tortillas, sealing them in completely. Place in a 300°F oven for 10 minutes.
Add about ½ cup of refried beans on top of the cheese. If eating immediately, without refrigerating or freezing, add any additional fillings now.