01 - Combine whole milk and heavy cream in a medium saucepan over medium heat. Bring the mixture just to a simmer without boiling.
02 - Add cream cheese to the simmering milk mixture, whisking constantly until completely melted and smooth.
03 - Gradually stir in shredded white American cheese, adding one handful at a time. Whisk continuously until fully incorporated and the dip reaches a smooth, velvety consistency.
04 - Stir in diced jalapeño, green chilies, onion, and garlic. Continue cooking for 2-3 minutes with frequent stirring until vegetables are softened.
05 - Add ground cumin, chili powder, salt, and white pepper. Taste and adjust seasonings as needed to achieve desired flavor profile.
06 - Reduce heat to low setting to keep warm. Stir occasionally to prevent separation or skin formation. If consistency becomes too thick, whisk in a small amount of milk to achieve desired texture.
07 - Transfer to serving bowl and accompany with tortilla chips, fresh vegetables, or use as a nacho topping. Serve immediately while warm.