Beat the softened cream cheese.
Add the chili, 1/2 cup shredded mozzarella cheese, shredded Cheddar cheese, shredded Monterey Jack cheese and sour cream. Stir until combined.
Spread the chili cheese mixture in the center.
Sprinkle with 1/4 cup shredded mozzarella cheese.
Bake at 400 degrees for 20-25 minutes until golden brown.
Top with tomatoes, green onions, and cilantro.