In a mixing bowl, combine the mozzarella cheese, eggs, diced ham, cheddar cheese, garlic powder, onion powder, salt, and pepper. Mix until well combined.
Preheat your waffle maker and lightly grease it with cooking spray or oil.
Pour half of the mixture into the preheated waffle maker, spreading it evenly. Close the lid and cook for about 3-5 minutes, or until the chaffle is golden brown and crispy.
Carefully remove the chaffle and repeat with the remaining mixture.
Serve warm, either plain or with your favorite dipping sauce.