Preheat your oven to 350°F (175°C).

In a large mixing bowl, combine softened cream cheese, sour cream, lime juice, and chili powder until smooth and creamy.

Fold in half of the shredded Monterey Jack and cheddar cheeses into the creamy mixture.

Add the corn kernels and chopped cilantro, folding them into your cheesy base.

Lightly grease a baking dish and spoon the mixture into it, spreading evenly.

Bake for 20-25 minutes until golden brown and bubbly around the edges.

Sprinkle remaining shredded cheese on top and bake for an additional 5 minutes until melted.

Allow to rest for a couple of minutes before serving warm with tortilla chips.