Honduran Anafre (Bean, Cheese, and Chorizo Dip)

Name: Honduran Anafre (Bean, Cheese, and Chorizo Dip)
Cuisine: American, Mexican, Latin American
Ingredients: 1 cup red beans, cooked and mashed (can substitute with black beans if preferred); 1/2 cup crumbled queso fresco or mozzarella cheese; 1/2 cup grated hard cheese (like Parmesan or Cotija); 1/2 cup sour cream or crema; 1/4 lb (approx. 1 cup) chorizo, crumbled; 1/4 cup diced white onion; 2 cloves garlic, minced; 1 small jalapeño, finely chopped (optional, for heat); 1 tbsp olive oil; 1/4 tsp cumin powder; Salt and pepper to taste; Tortilla chips, plantain chips, or bread for serving