Cook beef in skillet until it is no longer pink, drain. Stir in salsa, tomato sauce, cumin and garlic salt; cook on low while preparing remaining ingredients.
Spread 2-3 tablespoons refried beans over each tortilla. Sprinkle each with 1 tablespoon cheddar and 1 tablespoon Monterey Jack. Roll up and place seam side down in a greased 13" x 9" baking pan. Top with beef mixture. Sprinkle with remaining cheeses.
Bake uncovered at 350 degrees F for 20 minutes or until heated through.