I agree with Sananddaddy and MarLeClair -
One of my Brother machines threads exactly as yours does. As long as you lay the bobbin with the thread coming off correctly, and pull it through the end with the built-in cutter, it should work fine. I don't pull both threads up before sewing.
When I have had problems with the bobbin thread, it's because there's another piece of thread or lint or something in the bobbin area.
One thing I want to add - if you're having issues with the thread on TOP of your fabric, the problem is with the bobbin thread. If you're having issues with the thread on the BOTTOM of your fabric, the problem is with your needle thread. If you're getting loops on the bottom, you need to check that your TOP thread is threaded correctly and is not catching on anything.