Bake until crispy and lightly browned, about 5-8 minutes. While tortillas bake heat a nonstick skillet pan over medium-high heat, add the ground beef to the skillet breaking up with a spatula and cook until browned, about 5 minutes. Stir in taco seasoning. Spread each tortilla evenly with refried beans, top with ground beef, shredded lettuce, cheese and tomatoes.