In a large bowl, beat the cream cheese until smooth. Once smooth, stir in the sour cream, jalapeños, lime juice, taco seasoning, salt to taste and garlic powder.
Spread into a 13 x 9 pan and top with cheese, tomatoes, and onions. **If you are eating it right away add the lettuce first. If you are eating it little by little, I would serve the lettuce on the side.
Serve with chips and any condiments you’d like!