Warm tortillas by your favorite method, microwave, oven, or warming in a pan on the stove.
Wrap your tortillas in aluminum foil with damp paper towels, separated from the tortillas by parchment paper.
Then heat in a 300°F oven for 10 minutes. To make burritos, remove one tortilla at a time and then re-close the package to keep the rest moist.
Place cheese and ranchero sauce in a line across the center of a tortilla.
Arranging the refried beans on top of the cheese. If eating immediately, without freezing or refrigerating, add any additional fillings now.
Fold the sides of a tortilla inwards, over the bean and cheese filling.
Roll the bottom of the tortilla up and over the filling.
Tuck in the sides of the tortilla, pulling back to enclose the bean and cheese filling.
Continue to roll the burrito until the seam side is on the bottom.
Place all of the burritos that you plan to eat on a small sheet pan lined with parchment paper. Place in a 300° oven for 10 to 15 minutes, or until the filling is hot.
(optional) After heating, place burritos seam side down in a skillet that has been heated to medium heat. Let cook for 2 to 3 minutes and then flip over and cook the other side until golden brown and the filling is hot.