What you will need
1 can or 1 cup of cooked pinto beans
1 can or 1 cup of cooked black beans
1 cup grated cheese
~1/2 cup diced tomatoes
~1 tsp cumin
Tbs fresh diced garlic
A dash of cayenne pepper
A dash of Tapatio or other hot sauce if desired
A spoon a salsa
Start by bringing beans to boil in a pot with a little bit of water (~1/2 cup), diced onions, fresh garlic and spices (add other southern spices if desired now).
Once onions and garlic are cooked begin mashing beans. Add in tomatoes, sauce and cream at this point
Mash into a paste and cook on low for anywhere between 5 minutes and 24 hours. The longer you cook refried beans the better they taste. These are vegetarian style. Some people add pig fat.
In a large frypan heat olive oil (or corn or whatever) over medium heat. Cook burrito in pan for a couple minutes until golden brown, flip, cook for a couple minutes and you are done!