1. Preheat oven to 400°F. Place paper liners in a muffin pan.
2. In a large bowl, mix cheeses, baking mix, mushrooms, bell pepper & cilantro. Stir in milk, yogurt, ham pepper & garlic powder. Mix well.
3. Spoon into lined muffin cups half full.
4. Bake 12-15 minutes or until muffins are golden brown. To check, insert a knife in the middle. If ready, it will come out clean.