Crispy tortilla chips with creamy cheese sauce and fresh toppings

Ingredients

• 10 oz tortilla chips
• 2 tablespoons unsalted butter
• 2 tablespoons all-purpose flour
• 1 cup whole milk
• 1 1/2 cups shredded sharp cheddar cheese
• 1/2 cup shredded Monterey Jack cheese
• 1/2 teaspoon garlic powder
• 1/2 teaspoon smoked paprika
• Salt and pepper to taste
• 1 medium tomato, diced
• 1 small red onion, finely chopped
• 1 to 2 jalapeños, thinly sliced
• 1/4 cup fresh cilantro, chopped
• 1/2 cup sour cream
• 1 avocado, sliced or diced
• Lime wedges for serving