01 - Preheat oven to 350°F. Lightly grease an 8×8-inch baking dish with butter or nonstick spray.
02 - In a large mixing bowl, beat the softened cream cheese and sour cream together using a hand mixer or sturdy spoon until completely smooth and free of lumps.
03 - Add the shredded cheddar, Monterey Jack, corn kernels, diced jalapeños, red bell pepper, and minced garlic to the creamy base. Stir until all ingredients are evenly distributed.
04 - Sprinkle in the smoked paprika, ground cumin, salt, and black pepper. Fold thoroughly so the spices are fully incorporated throughout the dip.
05 - Spoon the mixture into the prepared baking dish, spreading it out into a uniform, even layer across the bottom.
06 - Bake uncovered on the center rack for 25 minutes, or until the top is golden and the edges are bubbling hot.
07 - Remove from the oven and let rest for 2–3 minutes. Top with chopped cilantro and sliced green onions. Serve warm with tortilla chips, pita chips, or fresh vegetable sticks.