In a small pan, add the butter and flour. Combine until it begins to bubble. Slowly add milk. Whisk constantly. Add cumin, salt, and pepper. Continue whisking until it is thick, and there are no lumps. Add cheddar and stir until it is melted.
To assemble: Place tostada on a plate, add bean spread, lettuce, additional red peppers (if using), and cheese sauce. Top with jalapenos, if using.
Enjoy!
Notes
You can use any kind of brand of Peppers or Jalapeños. Canned or natural as well.