In a pot, melt butter and garlic. Stir in flour until thick. cook for 2 minutes.
Gradually whisk in milk and bring to a simmer. stir in cream cheese, and cheddar cheese, until melted.
Stir in paprika and old bay seasoning and reduce heat to low. Let it cook for about 5 minutes, constantly stirring. set on low heat, or keep in an airtight container in the fridge until ready to re-heat for nachos.
FOR THE NACHOS.
Preheat grill to around 400 F. place lobster tails on grill and baste with melted butter. continue basting every minute until lobster tails are opaque; about 5-7 minutes.
Remove lobster meat from tail and chop into bite size pieces. place chips in a skillet, top with shredded cheese, beans, and lobster meat. Close grill and cook until cheese is melted.
Remove from grill and pour over a liberal amount of queso along with any other of your favorite nacho tops. Dig in and enjoy!