1 lb. dried pinto beans (pick through, wash, soak overnight and drain; or bring cleaned beans to a boil in a little cold water to cover, boil one minute, turn off and cover, let soak for an hour, drain). Add one quart salted water, simmer covered for 20-45 minutes—only until just cooked but not mushy.
In the meantime, pan fry ½ lb. chorizo, or sausage, or ground beef, and set aside. Saute 3 cloves chopped garlic, 1 large onion, 1 tsp. cumin seeds.
Drain the cooked beans, save the liquid.
Mash the beans, add them to the meat and the onion mixture.
Add ¼ cup chopped fresh cilantro, ¼ cup fresh lard (this is optional—you can add butter instead or skip it altogether), 1 cup grated jack cheese, fresh ground pepper to taste. Add a little of the reserved liquid until it’s the consistency you like, simmer while stirring for a few minutes.
For a healthy alternative, see the recipe for Pinto Beans.