Preheat the oven to 350 degrees.
In a bowl, blend together the refried beans and sour cream. You can add hot sauce if you like.
Pour into a small loaf pan or pie plate and smooth the top.
Top with shredded cheese on top.
Bake for 10 minutes or until cheese is melted and beans are warmed.
Serve with tortilla chips for dipping or as a side with tacos, fajitas, burritos -you name it!