In a 12 inch skillet, heat olive oil over medium-high heat. Add the ground beef and cook while breaking it apart with a spatula or wooden spoon until no longer pink. Drain fat and return to the stovetop.
Add pinto beans, salsa, taco seasoning, and water. Give everything a stir, and cook for 5-7 minutes or until most of the water has evaporated. You want the meat to look saucy, so add more liquid if needed. Remove from heat, and set aside.
To a half sheet size sheet pan, add half of the tortilla chips in one layer, then top with half of the meat, followed by the remaining tortilla chips, and the rest of the meat.
Warm the cheese sauce over low heat on the stovetop, or according to the package directions. Pour the cheese sauce all over the nachos, and add your toppings (jalapenos, pico de gallo, sour cream, guacamole, and fresh herbs). Serve immediately.