Cook chopped ham in a fry pan until done.

Crack eggs into a bowl, add milk, salt, and pepper.

Whisk eggs until well combined.

Cook the scrambled eggs in the same pan you cooked the ham.

Add the cooked ham to the scrambled eggs.

Add mozzarella and cheddar cheese to the egg and ham mixture.

Mix until cheese is melted and everything is well combined.

Warm a burrito shell in a separate fry pan on both sides.

Place the warmed burrito shell on a plate.

Spoon a generous amount of the egg mixture in a line down the middle of the burrito shell.

Fold in both sides of the burrito.

Roll one end of the burrito towards the other to form the burrito.

Place the assembled burrito on a stove top grill or back in a pan to seal it together.

Serve immediately and enjoy.