Creamy Burrito Casserole

1 lb ground beef
1/2 medium onion, chopped 
1 pkg taco seasoning
6 large flour tortillas
1 - 16 oz can refried beans
2-3 cups shredded cheese 
1 (10 3/4 oz) can cream of mushroom soup
4 ounces sour cream
Picante if desired

1. Brown meat & onion; drain.
2. Add taco seasoning and stir in refried beans.
3. Mix soup and sour cream in separate bowl.
4. Spread 1/2 sour cream mixture in bottom of casserole dish.
5. Tear up 3 tortillas and spread over sour cream mixture.
6. Put 1/2 the meat mixture over that.
7. Add a layer of cheese.
8. Repeat layers.
9. Bake uncovered at 350 for 20-30 mins