01 - Set the oven to 400°F.
02 - Heat olive oil in a large skillet over medium heat. Add chopped onion and minced garlic; cook until softened, about 2 minutes.
03 - Add ground beef along with cumin, paprika, chili powder, salt, and black pepper. Cook until browned and cooked through, breaking up lumps with a spoon, approximately 6 to 8 minutes. Drain excess fat if necessary.
04 - Spread half of the tortilla chips on a large baking tray. Layer half of the cooked beef and half of both cheeses over the chips. Repeat the layering with the remaining chips, beef, and cheeses.
05 - Place the tray in the oven and bake for 8 to 10 minutes until cheese is melted and bubbly.
06 - Halve and pit the avocados, scoop into a bowl and mash lightly. Stir in diced tomato, chopped red onion, lime juice, cilantro, salt, and pepper. Adjust seasoning as needed.
07 - Combine diced tomatoes, chopped red onion, jalapeño, cilantro, lime juice, and salt in a bowl. Mix thoroughly.
08 - Remove nachos from oven. Top with portions of guacamole and salsa. Add optional garnishes if desired. Serve immediately while hot and crisp.