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Preheat oven to 424 degrees F. Lightly spray a rimmed baking sheet with nonstick cooking spray or line with aluminum foil.
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Place tortilla chips in a single layer onto the prepared baking sheet. Set aside.
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Heat olive oil in a large nonstick skillet over medium high heat until shimmering. Add ground beef. Cook, breaking up beef with a wooden spoon as it cooks, until beef browns and no pink spots remain, about 3-5 minutes. Add onions, cook until soft, about two minutes. Add garlic. Cook for one minute. (Drain excess fat if needed.) Stir in chili powder.
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Top tortilla chips evenly with the cooked ground beef, pinto beans, corn, and cheese.
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Bake until the cheese melts and nachos are heated through, about 7-8 minutes.
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Remove from the oven. Sprinkle desired toppings evenly over the warm nachos. Serve immediately.